vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been the victim of ID Theft and have a fraud account that XXXX refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.

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 2017-08-18 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: TX

Complaint narrative:
XXXX, XXXX, TRANSUNION IS REPORTING WRONG

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 2017-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX XXXX report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over XXXX And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX XXXX XXXX unfair actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: VA

Complaint narrative:
ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: NY

Complaint narrative:
I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: IL

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pendrick Capital ''. On or about XX/XX/XXXX, I received another " settlement offer '' from XXXX XXXX XXXX XXXX XXXX. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit  agencies. XXXX removed the account. XXXX validated the debt. At the end of XX/XX/XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX. regarding this and spoke to a XXXX XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from XXXX XXXX XXXX, which was " XXXX XXXX XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid Pendrick '' The  check that I sent for payment was mailed directly to XXXX XXXX XXXX using the address and information that was on the settlement offer. The back of my check is stamped by XXXX XXXX XXXX. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XXXX XXXX The first settlement offer and the second settlement offer equal the total debt due ( XXXX XXXX XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XXXX XXXX  as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XXXX XXXX. The second settlement offer has XXXX XXXX listed on the front and refers to the offer as a " sale '' but offers no information regarding XXXX XXXX.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank allowed someone to upload a fake check into my account for got over 1700 dollars and downs transaction at XXXX for XXXX dollars. I spoke with XXXX they told me my info was used to send money to send a XXXX to XXXX transaction to XXXX. They bank did not properly look into my account because ill called XXXX and got this info. I contacted them let them know my care was missing I let them know my last transaction of {$5.00} on X/XX/17 they are n't trying to help they stole my money & chase pretty much robbed me to I honestly want to Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
Im requesting your help to resolve this issue. I received a modification mortgage from Ocwen Mortgage company, XXXX of 2013. Before the modification my mortgage loan was from XXXX XXXX. I have been paying my mortgage on time since the modification. I am in the process of refinancing my car and was told by my bank, XXXX residential is still reporting to XXXX credit company. It looks like I have two loans on the same property. I have mailed them a copy of my credit report and still nothing has happened. I spoke to Ocwen and they see the reporting but always says they will investigate, but still no correction. I have only XXXX loan on this property. They instructed me to upload docuentation showing the credit issue. Everytime I try to upload the information. I always get " error page not found '' notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Halsted Financial Services ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and Halsted Financial Services has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over XXXX in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I 'm not sure of the official date but around a month or two ago I filed for an investigation on my credit report due to XXXX XXXX XXXX still charging me for a car that I had brought back over a year ago. Because I did not have possession of he car, I did not pay for the car. I 'm not paying for something that I do not have. And the reason I brought the car back is because the car company gave me a different car than I ordered. I 'm not paying for something I did not buy. Eventually, XXXX XXXX XXXX found the car and notified me that they were in possession of it. I contacted Transunion wanting to dispute that claim on my credit report because it lowered my credit score and they said it was " accurate '' and I am fighting it because I should not have to suffer for a mistake that the car company made. I 'm not paying for a $ 25000+ car that I do n't own.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased this vehicle from Mazda Capital Services- Chase The lease ended on XX/XX/XXXX The car was returned on XX/XX/XXXX, directly to the dealership as instructed by the leasing company. The vehicle was pre-inspected, and I received the estimated wear and tear charges. As of today, the online account shows a late payment and a late payment fee for a lease that already ended and money that I do n't owe. I already called seven times, and they keep apologizing about it and refuse to email me a confirmation. In the meantime, my credit score dropped 15 points due to the late payment.

Company response to consumer: Closed with explanation