vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: CA

Complaint narrative:
TransUnion continues to report a bankruptcy on my credit report that belongs to my ex wife which she filed long after we were divorced. I have sent letter after letter begging them to verify the information is incorrect and they just respond with it being verified. The letter i sent in early XXXX ( XX/XX/XXXX ) requested TransUnion to provide me with copies of all documentation associated with this bankruptcy  and the names and phone numbers of the people they talked too that verified it as accurate. The last letter I sent ( XX/XX/XXXX ) again asked for them to furnish the documentation of the validation and they just continue to send me a report saying it's validated. I just recently found out this is illegal so I'm starting the legal proceedings. I'm attaching the last 2 letters.

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 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to have a checking account with JP Morgan Chase. I received a check by XXXX, a XXXX XXXX company and I deposited the check through mobile banking. I received a notification that Chase was closing my account while my check was still processing. Because I never received the funds on the check I had deposited, I contacted XXXX  to request resistance of the check, but they showed that JP Morgan Chase had cashed the check. I contacted Chase and they said they had to contact XXXX but they were unable with the numbers they had and they could not take a good number from me. So they asked me to go into a branch with an XXXX representative and myself. We all know that is not possible given the fact that XXXX is a big American corporation, I live in Texas and their corporate offices are in California. Chase has the funds, this is a valid check that I receive monthly. I'm not sure why they are keeping my funds. Obviously the check was paid by the issuer. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Because Equifax did not use good security measures my credit information, along with millions of others, was compromised not just once but evidently multiple times over a period of years. Following the government settlement with Equifax I did have my credit information frozen and was provided a pin number and told that it would be a simple matter to unfreeze my credit as needed. That is not the case. In XXXX I needed to unfreeze my credit to lease a new auto. I tried using the website and it did not work properly, just so you know I worked for XXXX for over 33 years, so it's not because I am unable to use a computer or navigate software. When I called the 800 number it was answered by someone who barely spoke XXXX, was very polite, but could not help me. They kept asking me nebulous questions even after I had answered a number of questions that should have proven I was who I said I was. I was uncomfortable with providing the level of information they were asking me for to someone who was obviously outside the laws and protections of the United States. After several hours on the phone I finally got transferred to someone in the XXXX XXXX call center and they were able to help me. 

Today I called to unfreeze my credit, again, because we are in the process of selling our home and purchasing a new one. This time the Equifax website was down altogether, I made multiple attempts to try and get to it using a variety of paths, and all I got was a screen that said " oops, '' like they had bumped me in a hallway, not screwed up my life with all of their stupidity and incompetence. When I called the 800 number I was put through the same process and ended up with the people in XXXX XXXX, again, but this time they are telling me they need me to FAX a copy of my driver 's license and my social security card to them, that is a really bad idea and it's that kind of stupidity that allowed out personal information to be stolen in the first place. 

There are some corporations that are so bad, so poorly run, such a drag on society that they need to be shut down. Equifax is one of those companies. I am sure they have screwed up the lives of millions of honest, hard working citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I used XXXX to access my annual XXXX XXXX. As I attempted to access my Transunion Credit Report, I encountered an error. While I was answering the required questions, it appeared that the Credit Report began to download. At that moment the webpage closed. When I attempted to re-download my Credit Report by re-entering the XXXX information, I received the following message from XXXX : " We are unable to complete your request. 
What happened : Our records show that TransUnion has provided you with the Personal Credit Report XXXX XXXX XXXX you were eligible to receive free of charge within the past 12 month period. ".

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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I am filing a complaint against Contract Callers Inc/XXXX XXXX. Account number XXXX. The amount owed is {$70.00}. My complaint is they failed to send the last bill to your home address and it turned into a collection. If they would have sent the bill to the right address it would have been paid. 
This has costed me between 100-150 drop in my credit score and is affecting me refinancing my homes.

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 2020-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCORPSOUTH BANK
State: AR

Complaint narrative:
Now a law firm working for someone got inside information from a county employee and used that information to garnish her ssi retirement savings for XXXX dollars and used my name again first that money was not mine in any way shape or form and I didnt even bank at bankcorp south when they ducked the rest of her money out leaving her savings wiped out and making it look like it was my fault Im no lawyer but I dont see how in the world any of this could be legal in any way shape or form. It went from bad to worse as I was dragged to jail after a level XXXX  XXXX offender stated to a XXXX county deputy XXXX XXXX that I tryed to run over him he accuses me of trying to run him down officer XXXX  beat on me in the jail in front of of other officers and jailers screaming I know your playing possum on me until a nurse was called up front she told him to get me to the emergency room now and he loaded me up and dropped me off at the local er XXXX XXXX XXXX where they tryed to XXXX   me with a XXXX XXXX XXXX in charge of the er and officer XXXX   went home I wan na get as much of this out as possible because I fear for my life now I have been set up I local towns for ludicrous charges and am still going to deal with this whole county is so dirty I never really could have reached 10+-ye are I need the help of the federal law inforsement agency thats in charge of this or I will be XXXX  by this time next year they are trying to beat me down but I have all the documents supporting my facts and if I dont they will be a fake document issued by local government and police judges and clerks backing up my statements thank you very much for your time and I pray to god thi didnt fall on deaf ears Ive never been in trouble with the law or anybody in my XXXX  years of life now all this has happened in a less than two years I know this for a fact if someone wee to administer polygraph exam I would take it first and let all the other people go after me I know what the outcome would be I could pass a million questions they cant pass any hes wainting to arrest me now! The city council in XXXX XXXX is dirty so Im assuming that the ones in XXXX XXXX and XXXX  are as well its way to much to list here but thats a start XXXX XXXX XXXX Arkansas XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase with my chase card to a merchant. The item was said to be delivered in one month. After 5 weeks, I filed a dispute due to a manufacturing defect. A week later, the merchant said they had the item but cant ship it because I filed a dispute. I contacted chase and told them what the merchant told me and they told me to close the dispute. I closed the dispute because I trusted the bank would keep me in their best interest. A month later, the merchant said they did not receive their money even though I saw it on my credit card. 

I called back another month later on XX/XX/19 to reopen the dispute. 

The merchant said it could take 60 days for the money to appear and for the item to then ship. 

2 months later, I asked for an update. They said the dispute was never reopened and that I had to pay {$140.00}. 

The supervisor, XXXX, in XXXX XXXX said I have never called. 

I hung up, and spoke to XXXX, another supervisor. She said she could see that I called on XX/XX/19 to check on the dispute but it was never reopened. 

Now that this time has elapsed, they claim I am responsible to pay for the item because of the negligence of their agent to not reopen the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2020 account # XXXX and # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: Flat Six Holdings Inc.
State: OH

Complaint narrative:
I borrowed {$600.00} initially from XXXX  XXXX. I paid the loan off on XX/XX/19. I owed {$400.00} at the time and paid {$470.00} and change to pay it off. It had a XXXX  balance as of that day. Now they are charging additional interest and say I owe fees for keeping the line open. I told them it was closed when I paid and didn't reborrow. There isn't a principal balance to accrue interest or fees on beyond the payoff day. They want me to give them an additional {$140.00}. They said you can pay off anytime, but are trying to collect interest and fees on a XXXX  balance. They were taking fees every other week for keeping the line open. When I paid it off there is no basis for fees or interest after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
Received letter from AmerAssist A/R Solutions , Inc., regarding a debt from XXXX, XXXX. Account number XXXX this debt does not belong to me. Wish to dispute this and cease communication with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bought a XXXX  XXXX XXXX from XXXX ( XXXX ) put down $ XXXX and purchased extended warranty for {$35000.00} months later I get the car appraised and the best offer Ive got so far is XXXX, canceled the extended warranty and all I got back is $ XXXX.This is all in 6 months Big rip off Mechanical issues Tires are bad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XX/XX/XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

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 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
TIAA Bank is still reporting my account as 30 days late which in fact my loan was transferred to another lender 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
GM has filed a 30 past due notice to my report of an invoice of a end of lease charge that they say has yet to be generated by them. They admit that this is a mistake but has not made any attempt to correct this " error '' which by YOUR definition is a crime. This is false information put on my credit which by YOUR definition is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
There are accounts on my credit report that are unauthorized and unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Item was bought on XX/XX/XXXX with a merchant costing {$570.00}. Merchant never contacted me about item. I had to reach out and contact the merchant after 1 week, merchant noted delays. A week later additional delays. I requested a cancellation of order due to delays. Merchant would not refund charge to credit card. I filed a dispute with Apple Card. Case was opened by Apple Card. Temporary refund was giving. Case was ruled in Merchants favor as of XX/XX/XXXX, given that I never received the item and wanted to cancel before shipment and delays of item. Now I have a charge {$570.00} for an item I do not want or never received months later.

In addition, since being Apple Card, when my transaction ran they gave me an Apple Cash of {$5.00}, once the dispute ran Apple deduct this amount directly from my Checking Account, which was not authorized. I would like the {$5.00} Apple Cash credit since this was a transaction, if I am not ruled in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Acct # XXXX XXXX XXXX Hospital Date of Service : XX/XX/XXXX Amount : {$640.00} In XX/XX/XXXX, XXXX XXXX Hospital incorrectly billed a previous insurer, XXXX XXXX XXXX XXXX XXXX At the time, my coverage was through XXXX XXXX XXXX XXXX XXXX ( proof attached ), who fully covered this expense as can be seen from our XXXX XXXX XXXX in XX/XX/XXXX ( also attached ).  After multiple phone calls to the XXXX accounting department in XX/XX/XXXX, I was assured that the error was corrected. 
In XX/XX/XXXX, I received an invoice for {$640.00} from a collections agency. I have requested multiple times on calls to the agency for the bill and proof of the charge and have received none. I have called XXXX XXXX Hospital and received no proof of the bill. 

The collecting agency, RMP Services, has called me at work after my requests to cease and/or provide proof of the debt. On the last call, they threatened to take legal action, which is was proved by the letter from your law office. 

I would like XXXX to reconcile their accounts and remove this accounting error, and clear my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am currently enrolled at XXXX University in a XXXX  program. I have been continuously enrolled as a full or part-time student since XXXX. I do not anticipate graduation until XXXX. 

Navient is currently servicing 2 different loans. When I started at XXXX, they received the clearinghouse  information and placed my loans on in-school deferment. 

My status has not changed since XXXX. 

Inexplicably, Navient has removed my in-school deferment and XXXX status and is actively attempting to collect the debt and induce a default. They are ignoring my written communications and ignoring the XXXX University clearinghouse  data, which I verified with the registrar as reflecting my status as fully-enrolled in this semester and every semester with no breaks since XXXX. 

Navient needs to comply with Federal law, acknowledge the clearinghouse  information, and return my status to in-school deferment. 

Otherwise, we're considering Navient 's actions as a willful breach of the terms and conditions of the loan and a violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or about XX/XX/2020. I went to Regions bank to see what Regions current interest rates were on a 4 year IRA CD would be. I didn '' t like the rate being offered but after talking to the bank official we agreed to a rate of 1.59 % for 4 years. I saw the official as he was putting information on the rate and terms in the computer. He thensaid it was all taken care of. But I said don '' t I have to sign anything. He said no it was all taken care of. I said I always had to sign something in the past but he said again there was no need. So I left the bank. I think this was my 3rd renewal of this account over 10 years. Today XXXX I get a letter from Regions bank saying my APR rate was 0.400 % instead of the APR rate of 1.59 % we negiotiated. So I called the bank and talked to the same bank official about the problem. That official said there had been a glitch in the software program and went it renewed I got the lower rate of 0.400 %. I talked to the bank official and the person who said he was the Branch Manager. The first bank official admitted and apologized for the glitch and when I asked to speak to the branch manager he heard the first bank official admit to the glitch as we were on a 3 way phone connection. The branch would not agree to give me the negotiated 1.59 % rate. He did make a couple of lower offers because he said rates had gone lower. The best rate he offered was 2 years at 1.5 % rate which I refused. I feel I am entitled to the neg0iated rate of 1.59 % for 4 years. I think this a biat and switch scheme. Can you offer me any assistance in this matter?

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