vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 2017-06-03 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: FC HoldCo LLC
State: NC

Complaint narrative:
XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against Flagship Credit had  been resolved yet it has not.      Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a  violations of the FCRA.      Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.

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 2017-06-03 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: NC

Complaint narrative:
XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and  XXXX  that my complaints against  XXXX   XXXX  had been resolved yet it has not.      XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my  credit score a v iolations of the FCRA.      XXXX   XXXX   XXXX  reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on m y credit score w as impacted.

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 2017-06-03 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: MI

Complaint narrative:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 2017-06-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: KY

Complaint narrative:
I had my student loans through Great Lakes Student Loan Servicing. Starting in XXXX I began making loan payments. I am a XXXX and I contacted them about options. They told me about the Public Service Loan Forgiveness program and how I needed to get into the Income Based Repayment plan. I applied and started in XXXX in the program. For XXXX it gave me a payment of {$0.00} which would count toward the 120 payments needed. XXXX it was {$56.00} per month. XXXX it was {$250.00} per month. XXXX it was {$220.00} per month. And in XXXX it was {$130.00} per month. In XXXX I submitted paperwork to verify my employment which is needed to eventually qualify for Public Service Loan Forgiveness. At that point I received notification from Great Lakes that my payments would not count because my student loans needed to be consolidated through XXXX. I have since switched my loans over but I have to restart the 120 payments. This is going to delay my finishing my loans by 5 years due to XXXX not counting. Great Lakes never informed me that the loans needed to be converted to XXXX and this will continue to cost me substantial money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: NC

Complaint narrative:
XXXX   XXXX ,  2017    I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my  credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and m y credit score to be i mpacted.

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 2017-06-03 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
XXXX   XXXX ,  2017  I received an alert this morning from  XXXX  and  XXXX  that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: NC

Complaint narrative:
XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting  my credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my  credit score to  be impacted.

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 2017-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
<P/>
  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
<P/>
  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
<P/>
This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03 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: FL

Complaint narrative:
Experian has launched a investigation on the same creditor many many times and keeps getting it wrong. theres duplicate accounts one is right and one is always wrong. the first account from XXXX XXXX XXXX XXXX depicts the information paid and closed. The second shows it was included in a bankruptcy and was late in 2015. after the Bankruptcy was over and it was paid in full. please help me this has been going on for 2 years with no end in site. its  experians responsibility to report information correct and i do n't believe they are.

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 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a statement from  Chase Amazon  which was Due  XXXX   XXXX ,   XXXX  . I showed the balance as  XXXX . I set up payment in the amount of  XXXX  and paid it on the  XXXX . When I received my statement there was a  XXXX  interest charge. On  XXXX   XXXX ,   XXXX   called them because you should not show an amount due and then have the customer pay it, then charge them interest on it. Ironically the same thing happened with  XXXX  and they ate the charges. Since I could not come to an agreement I closed the account. To make it even better I called on  XXXX   XXXX ,   XXXX   and discovered that had already added another  XXXX  in interest since the last statement I paid off.  <P/> I asked to immediately pay off the amount due an was given an estimate and the agent could not guarantee the amount. On  XXXX   XXXX , I paid {$420.00} and will wait to see my closing statement. I will refuse to do business with any Chase company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit inquires on my account I have no knowledge of and I have not been successful in reaching the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2017-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. <P/>I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.

Company response to consumer: Closed with explanation