vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CA

Complaint narrative:
I received a flyer from JFQ Lending on a streamline refi to lower my mortgage rate. I did inquire and I did sign documents to start the refi streamline process on XX/XX/2020. After giving it some thought I decided not to continue. On XX/XX/2020 I sent a email requesting that they cancel my loan request. The loan officer continued to move forward with the process after he acknowledge receiving my email. He then continued to call me and leave me voice messages. On one of the messages he stated that I needed to call him and on a recorded line say that I'm ok paying at the higher rate. Which I know I don't need to do. This complaint was sent to the owner, which he continued to offer me a loan instead of addressing the issue. There were other loan offers calling and emailing me within JFQ Lending. After multiple emails and calls not only on my mobile but they also call my work phone, and a response from a ridiculous response from the owner, I wanted to file a complaint. I being harassed and I don't appreciate it. I am now concerned for those other mortgage holders who they will contact and be aggressive with. For these loan officers at the company not to be clear with all the details and numbers can put a family in a financial situation that will hurt them, especially those already that are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Hi CFPB, My name is XXXX XXXX XXXX, I check my credit report every couple of weeks Here 's the problems that hasn't been corrected since XXXX of XXXX, I contacted this creditors / companies by phone, Number 1. XXXX XXXX XXXX XXXX has made an inquiry on my credit report several months ago back in XXXX, which I spoke to the secretary of the dealership, at which time I explained to her that I didn't request for any information on purchasing a new car from them, nor did I fill out a credit application, nor have I ever been to the dealership, which was to relay this information to the top management there to remove this entry from my report to this date XX/XX/XXXX the entry hasn't been removed. 

Now for complaint number 2. I have disputed this collection amount of {$1300.00} that was place on my credit report a few years ago that isn't mine, nor do I know anything about, XXXX  XXXX XXXX, who has place this in collection with Merchant Credit Guide base in XXXX Il, located at XXXX XXXX XXXX XXXX XXXX XXXX, I have ask both the collection agency and the credit bureaus to remove this entry for it's not mine, I didn't required any emergency services until XX/XX/XXXX when I had XXXX XXXX at that time, which I was driven to the XXXX Hospital located in XXXX Illinois 25 minutes from my resident. Which I had XXXX XXXX XXXX XXXX XXXX XXXX, and still do as to this day. I file for a chapter XXXX back in XXXX of XXXX, which included all medical bills, as well as miscellaneous creditors. These items should be removed and my credit report with all reporting credit bureau should be update to reflex the changes. Along with the removal of several unknown reported entries, XXXX XXXX in XXXX XXXX CA, XXXX  XXXX base in XXXX XXXX NJ, XXXX XXXX no information for contact listed on report, XXXX Card no contact information listed on report, XXXX XXXX. no contact information listed as well for this company. 

Please investigate and has these entry removed from my credit reports that has handicap me for far to long. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-03-06 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: WV

Complaint narrative:
I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: WV

Complaint narrative:
I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on  these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-06 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently disputed some inquiry on my credit account on XX/XX/2020. I called into there several times and still haven't gotten. Its been over 30 day and still haven't gotten anything down about the situations.

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 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and noticed that Real Time Resolution XXXX is reporting as a revolving account and that is not correct. This was not a revolving line of credit this was set up as an installment loan. The problem with the mis-coding on my report is, it's making my credit utilization report incorrectly. I initially obtained the loan to pay off credit cards. The account was opened with one company then transferred to this company. There may have been some type of mistake inputting the loan with this company at the time of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX, I received an American Express Rewards card in exchange for being bumped from an oversold flight from Delta Airlines. 

To be sure of when I could use the card, I searched americanexpress.com and other sources. All the information found online about " American Express Reward Card Cardholder Agreement '' says : -- -- Begin Quote -- -- FUNDS DO NOT EXPIRE The funds on the Card do not expire. 

VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 
-- -- End Quote -- -- I found the above quote in many, many links from americanexpress.com,  including but not limited to : https : //www.americanexpress.com/us/prepaid/gift-cards/terms-and-conditions.html https : //www.americanexpress.com/us/customer-service/faq.gift-card-expiration.html https : //www.americanexpress.com/us/prepaid/gift-cards/Reward-CHA.html https : //balance.amexgiftcard.com/using-your-card ( see Attached printouts of those pages ). 

After an exhaustive search, I never found anything to contradict the quote above so I had no reason to doubt that my card could be replaced with a new expiration date. The expiration date on it is XX/XX/XXXX, which was 6 days ago. 

Today, I want access MY money and they tell me that it is expired and there is " nothing they can do '' as they have created some sort of exception to this card. I escalated the call as high as they let me escalate it ( XXXX, manager from Guest card Services, she said they are not allowed to give last names ) but did not solve my problem. 

This is false advertisement. I only want to access funds that belong to me. 
I am XXXX and this is causing undue stress in my life. I counted on that money to pay for my expenses. Not that this should matter but I am an American Express customer with a high limit and a FICO credit score over 810. 

I expect American Express to do better and make this right ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX  defaulted my XXXX  account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with XXXX XXXX, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. XXXX also made no attempt to contact me about issues with my address or account. My account was then sent to collection with Client Services  without notification. Client Services  was able to send me the debt collection notice to the address XXXX XXXX  and XXXX had on file. I have not received one statement, late payment notice, or account delinquency notice from XXXX XXXX  or XXXX. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of XXXX XXXX XXXX  and XXXX XXXX actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 IC Systems XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2020-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: POPULAR BANK
State: MI

Complaint narrative:
Had 2 Home Equity Loans through E-Loan, one XX/XX/XXXX ( Liber 3075 Page 904 ) and one XX/XX/XXXX ( Liber 3151 Page 336 and Liber 3428 Page 169 ). Both loans were paid off but only the XX/XX/XXXX loan that was transferred to MERS and XXXX XXXX shows a certificate of discharge and was recorded with the Register of Deeds. It appears that XX/XX/XXXX loan was transferred to XXXX, from the statements I have showing I paid it off with a check number XXXX. I contacted both XXXX and E-Loan, beginning in XX/XX/XXXX and in XX/XX/XXXX and XX/XX/XXXX to resolve the XX/XX/XXXX and XX/XX/XXXX loans still showing outstanding on my title so they could be recorded as paid off with the Register of Deeds. In XX/XX/XXXX, MERS and XXXX XXXX sent certificates of release for the loan dated XX/XX/XXXX to the Register of Deeds for recording. The XX/XX/XXXX loan continues to show on the title in Liber 3075 Page 904 even though it was paid off XX/XX/XXXX by me. When I send them copies of the payoff information, they still reference the XX/XX/XXXX loan that was released in XX/XX/XXXX. It's like they don't read the documents I have submitted showing the two different loan numbers under the different Liber and Page numbers. I have been trying to refinance my house since XX/XX/XXXX and have been unable to because of the XX/XX/XXXX loan still showing outstanding on my title when it was paid off. They both have received all of the attachments I will be forwarding with this complaint but I still have not been able to get a resolution to this. There were two different Home Equity Loans, one paid off through MERS and XXXX XXXX and one paid off by me.

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