vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXXXXXXXXXXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX balance before collections, and should not have gone to collections in the frist place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MA

Complaint narrative:
XXXXXXXXXXXXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX balance before collections, and should not have gone to collections in the frist place.

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 2020-09-18 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:
XXXXXXXXXX XXXX has been reporting as late payments. This account has been paid before collections

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 2020-09-18 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:
XXXX  XXXX has been reporting as late payments. This account has been paid before collections

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 2020-09-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a cosigner on my step-daughters car with XXXX. XXXX said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' XXXX - they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when Experian and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with XXXX. But it has effected my credit as a 30 day late and I am fairly livid that XXXX could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.

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 2020-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I there are fraud items on my credit report that do not belong to me and I told Experian and they are refusing to remove this item eventhough the 4 agents ( XXXX, XXXX, XXXX and XXXX ) I spoke to seen my documentation. 
I sent over my proof showing that this account isn't mine, the Bankruptcy office is closed and can't verify but I was able to get a document from the office and I was told that this document would suffice and no one has been helpful to me and I'm constantly being hung up on.

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 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have sent two letters requesting validation of debt to this company. They only responded by sending a letter asking for payment and they continue to send me invoices threatening to send my account to collection. I would like the debt validated and then if it is proven to be my debt I would like to make payment arrangements to clear this debt, but I do not want to pay on a debt that I do not know if it is mine or if the amount of the debt is correct.

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 2020-09-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Enforcers better look into the scams on seniors with fake subscriptions placed on your credit card. 
The bank Cards said they are aware but don't do anything but void your credit card? Shame on U.S. 
You inquire about a product and then without your knowledge the scammers place a $ XXXX/mo membership on your card without your approval?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  GC Services Debt Collector File Number : XXXX XXXX XXXX XXXX Total amount owed {$1000.00} as of Monday XX/XX/2020 with GC Services Payment made on XX/XX/2020 in the amount of : {$200.00} to GC Services due to feeling pressure to pay. 

Total amount to be paid is {$1200.00} to GC Services Original Loan was a smart loan with XXXX XXXX   or XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Loan number is : XXXX Taken out on XX/XX/2020 Original Loan amount was : {$1100.00} As of today XX/XX/2020 the principal balanced owed to XXXX XXXX XXXX  Texas is {$960.00} and the Principal and Interest Balance owed is : {$1200.00} with my payment made on XX/XX/2020 in the amount of {$200.00} reflected ... 

GC Services took over collection for this smart loan. 

For my checking account number ending in : XXXX I owe an overdraft balance of {$100.00} a balance I have been making payments on to XXXX out ... 

XXXX XXXX  refused to allow me to pay my overdraft fees and balance on my checking account first and insisted I pay off this smart loan first ... All the same I did make some good faith payments to my overdrawn account to bring that overdraft balance down to a XXXX balance..I will continue to do this till that overdraft balance is paid in full ... I also tried to call about my smart loan but was asked excessive security questions and was then refused help after waiting on hold for a total of thirty minutes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XXXX XXXX at XXXX. I called XXXX to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting information incorrectly. The account was settled in XXXX but the rep didnt apply it to the right account so it looked like O had a credit on one and debt on the other. I also settled many accounts after my bankruptcy and asked that they be removed. Yet EXPERIAN is keeping them on there as PAID BUT SOLD TO A OUTSIDE AGENCY. Or WAS WRITTEN OFF BUT NOW PAID. Like XXXX XXXX, XXXX, XXXX, These accounts were settled but EXPERIAN IS NOT REMOVING THEM. XXXX XXXX which I proved is reporting inaccuracies. I paid the SECURED DEP but they never applied it. So THATS why the account wasnt open. 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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from XXXX. see attached documents.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I contacted AmeriSave Mortgage company on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX and he told me to start the process I would need to pay a {$500.00} deposit that would go towards my loan, but was refundable if I didnt go through the appraisal process. I scheduled a call for an appraisal, but it was never set-up. So, I never went through the process. I was able to negotiate with my current mortgage company a lower rate and contacted XXXX XXXX on XX/XX/2020 to withdraw my application. He told me over the phone that it was withdrawn and when I asked about my {$500.00} deposit he told me that it was refundable since I didnt go through the appraisal process yet. I also sent him an email to confirm this as well. I called again on XX/XX/2020 to make sure my application was withdrawn and he confirmed that it was and that I would be refunded back my money. I continue to receive emails about this refinance application that I withdrew and have not been refunded back my {$500.00}. I spoken to several people and even left a voicemail for the supervisor of XXXX whose name is XXXX and have not received a response back. They are requesting additional documentation from me which Im not providing as I already asked that they withdraw my application and they refuse to do so. I even emailed their customer service department and left a voice message with no response back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
I discovered Chapman Financial Services was attempting to collect a medical debt which I believe I do not owe. I started sending Chapman Financial Services letters via certified mail back in XXXX of 2020 asking them to verify the debt with my signature ( I will attach a copy of one of the letters to this complaint for reference ), and to remove the debt if it could not be verified. They sent back a list of my accounts ( which is not verification '' ) with only one containing a signature, and the signature was not my signature, yet did not remove the debt.

They have also called my wife 's employer attempting to collect this debt from me, while my wife was at work ( I will also be attaching photo evidence of this ). This incident happened XX/XX/XXXX of 2020, prior to my sending of the letters, I only recently discovered that contacting your family or their employers is a violation of the Fair Debt Collection Practices Act. My wife had to tell her boss and co-workers to tell Chapman that she does not work there anymore in case they ever called again, which was very embarrassing for my wife. 

On XX/XX/XXXX at XXXX a representative from Chapman Financial contacted me  in regard to my letters to see if we could settle the debt. I again explained that I believed I did not owe the debt and that I sent them letters. He responded with " Yes we sent you letters back verifying the debt '', I then responded that sending me a list of accounts is not verification and that they sent me back a signature that was not mine. The representative mockingly laughed at me and responded as If I would never be cleared of the debt, which I felt was rude, offensive, and abusive.

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I opened a checking ( account # XXXX ) and saving account with First Citizen Bank on XX/XX/XXXX with a promotion below : " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I called the customer service back in XXXX and confirmed that the promotion code was successfully applied in my application, and later I completed 10 debit transaction by XX/XX/XXXX. It has been more than 120 days since I fulfill all the requirements, but I still don't see the bonus posted in my account. 
I contacted customer service, but they still don't provide any useful information. Here 's their reply : " Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CT

Complaint narrative:
I have a savings account with Purepoint Financial ( " Purepoint '' ), a division of MUFG Union Bank, N.A. ( " Union Bank '' ). The latter 's website states that I may request from Union Bank and its affiliates a document called the " Verification of Deposit '' ( VOD ) for my account, which verifies various types of account information, including the average XXXX balance, among other items. I have attempted to request this document for immigration purposes, and have encountered unreasonable difficulties as a result of Purepoint 's deceptive practices in and blatant refusal for honoring its own corporate policies. 

I initially requested the VOD on XX/XX/2020 over the phone from Purepoint. The document I received was merely the " Verification of Deposit Request '' form, and not the actual VOD itself. I called Purepoint again on XX/XX/2020 to again request the VOD. The customer service agent repeatedly and falsely insisted that what I received was the actual VOD document, even though the form I received was nothing more than a fillable PDF form freely modifiable by anyone, and it clearly states that it is a request form to be faxed to XXXX for requesting the VOD. A similar form with the same fax number is in fact freely available for download from Union Bank 's website.

I did fax in the VOD request form given to me, and received a response stating that the request could not be processed because of incorrect social security number and incomplete account number. The former is simply false, and the latter is because the form provided to me does not permit inputting a full account number. After requesting to escalate the matter, I received a call from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from Union Bank, who advised me to use the Union Bank 's VOD request form, which does permit inputting a full account number. My resubmitted request for a VOD has generated no response even though the specified XXXXbusiness-day time frame has passed.

I again received a call from a customer service agent from Purepoint on XX/XX/2020. This time, instead of insisting that the document I was given was the actual VOD, I was simply told that I can not request a VOD, which is categorically false according to Union Bank 's own policies.

I have been a customer of Purepoint since its inception as a division of Union Bank, and have always kept a substantial balance in my account. I am deeply disappointed and gravely appalled by the level of dishonesty as well as the glaring disregard to corporate policies and customer needs this bank engages in, which have caused me enormous frustration for simply requesting a well-established document that verifies my account and deposit.

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 2020-09-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a follow up to my original letter dated XXXX XXXX regarding an inaccuracies in your credit reporting, regarding the entry being reported under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never had XXXX   XXXX never had XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX repo XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX In response I received a letter from them in XXXX? I wrote them a letter in English. 
By not replying in a timely manner ( BY SENDING THIS LETTER IN A FOREIGN LANGUAGE I DONT UNDERSTAND! ) to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance..

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 2020-09-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in Equifax and XXXX  responded and still did not remove the items however XXXX  did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I've tried calling the company to let them know they have the wrong phone number, I can't ever get through to speak with anyone.

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