vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Dci is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I was a Tenant in a home Serviced by Ocwen. The Homeowner had Health Challenges and Ocwen refused Modification. His family had to move his possessions by XX/XX/2019. The Property Preservation Team told me " Move your belongings and Ocwen would contact you ''. I put most of my personal possessions in Storage. I changed the locks and moved back in because Ocwen did not contact me. Ocwen had Utilities Turned off.

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 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
I purchased my home in XX/XX/2015 with a conventional loan and 10 % down payment. The home values in my area have risen so I contacted Home Point Financial to determine the process for removal of PMI through an appraisal. I have been given three different answers. Upon speaking with the first customer service rep I was told I would need XXXX XXXX ratio for borrower requested PMI removal. The next customer service rep told me that I would need XXXX XXXX because I was requesting PMI removal within 5 years. I submitted a formal request for clarification and was given a written response that said that I needed XXXX XXXX to have my PMI removed. This is the first that I have heard of this and does not appear to be conventional/ conforming loan terms. I am writing in hopes of getting written clarification on proper LTV. Additionally, I would like a list of approved appraisers in my area to write a check to them directly rather than writing a check to Home Point Financial to have them select an appraiser.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased this property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was purchased by EverBank a short time later. In XX/XX/XXXX, I contacted EverBank to inform them that I was seeking to give the property to the bank in a " deed in lieu '' process ( my loan was current at this time ). The Bank assigned XXXX XXXX to handle my request. I sent all the documentation requested. On XX/XX/XXXX XXXX notified me that my application was complete. On XX/XX/XXXX, I received an " Initial Eligibility Letter '' from EverBank/XXXX. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three " judgments ''. These " judgments '' are not mine ; and I have purchased and sold over thirty properties without these " judgments '' being an issue. On XX/XX/XXXX, I received another letter from EverBank stating that my application was complete. On XX/XX/XXXX, I was notified by ( new acquirer ) TIAA Bank, that again these " judgments '' are an issue. On XX/XX/XXXX, I received a Demand letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( law firm ) notifying me of the {$98000.00} balance and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX. and he promised that he would clear up the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a savings account with a balance of {$590.00} which I opened in 2002. Apparently because the account was not set correctly in their system, I'm not allowed to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.

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 2019-05-02 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX  ; and XXXX ) -and have placed my account in transaction.

At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.

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 monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The last attempt to remove inaccurate information to Experian was on XX/XX/2019. One of the addresses on my report of XXXX XXXX XXXX is a location I have never lived at in my life and they will not remove it. It says that a creditor sent information to that address but I never gave it out because I never lived there. And I am not sure who lives at that address. Also the letter included a past address of XXXX XXXX XXXX which I asked to be removed as I have updated my current address with Experian. I have applications pending where my credit will be accessed and it makes my credit file appear scattered as far as the addresses goes. I have been trying for over a year now to get the inaccurate information removed.

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 2019-05-02 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:
My credit reports from all agencies continue to report I have continued late payments on accounts, also, delinquencies on accounts. I have not been late or delinquent on any accounts in years. I would like this corrected, as well as all information seven years or older. I have attempted to have this done, but the person I spoke with told me I wasn't able to request that by done. I have requested other times, and the old information was taken off. I have accounts stating they are closed when they were paid off in full. Please address these issues, and update my file and score. 

Thanks, XXXX XXXX XXXX

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 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Richard Sokoloff, Attorney At Law
State: TX

Complaint narrative:
Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. The lawyers info is XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is second complaint, after speaking to his office, his office is no longer answering phone calls and has not sent any of the faxes he said his office would do so this has been 4 months and no updates, he needs to release my insurance funds or I will take the steps of counter suing for the money he placed a lien on. I have contacted another attorney about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: AR

Complaint narrative:
XXXX XXXX DELETED ON XX/XX/2019 AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
THIS CASE IS NOT RESOLVED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Rosebud Economic Development Corporation
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX telephone number not available on behalf of Rosebud Lending XXXX XXXX XXXX Box XXXX XXXX SD XXXX telephone number not available I never heard of them and never contacted them ever in my life. The date it showed up on my XXXX XXXX report is XX/XX/XXXX XXXX

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 2019-05-02 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: NC

Complaint narrative:
The following accounts do not belong to me : XXXX XXXX in the amount of {$520.00} Opened XX/XX/2011 XXXX XXXX Acct # XXXX ( I do not have additional information about this account ) The creditors said that social security numbers do not match so would not give me additional information. 
This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: AR

Complaint narrative:
XXXX XXXX DELETED ON XX/XX/ AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I am in the process of purchasing a new home closing this month, XX/XX/2019. I have working diligently to maintain my credit scores. Last month i received a notice through my XXXX account that a new collection was added to my reports. I quickly contacted the company listed to see what this was for. It was a XXXX XXXX collection for an address, even state that I haven't lived in for several years. The company had my previous address and phone number so I was never advised of this debt as required by law. They day I paid the debt, on a recorded line, the representative ensured me that they would removed this collection from my credit report after payment due to me never being advised of the collection. Now, two weeks later when I called to verify when they would be removing the collection from my report, they are saying that they are not going to remove it now. Again they told me it would be deleted on a recorded line the day I made payment! This not being deleted from my credit as they promised to do when i paid the account off is going to make me lose my new home and thousands of dollars I have paid in earnest money deposits!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/XXXX was virus on my computer and number pop up to call .I called the number and end up bein hackers .So they log in to my computer, then to my bank account and they mad me transfer {$89000.00} to their account # XXXX and routine # XXXX.This was happen around XXXX XXXX .At XXXX I called chase wire transfer department and they gave me case # XXXX # XXXX .So I believe it is chase mistake waiting until XX/XX/XXXX then they send hold harmless letter to XXXX XXXX .I tried to call chase wire transfer almost every week but they do not gave any specific answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Reporting Agency ( CRA ) is in direct violation of FCRA, FDCPA, Frank Dodd Act and Metro 2 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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Persolve, LLC - Legal - Series 2
State: NV

Complaint narrative:
My wages are currently being garnished by Persolve LLC because I was sued in a state in which I do not live in. I never received any letters or a chance to dispute the charges against me. I sent a form disputing the charges to the court that this lawsuit was filed because its in a completely different state than where I live now but because of the government shutdown earlier this year I understand they are in a backlog.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 


XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX. XXXX 8. XXXX 9. XXXX 10. XXXX

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 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
XX/XX/2019, Phoenix Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. 
attached a debt to my credit for medicaid payed bills, amount of {$1900.00}. 
i responded to them to validate the debt, with no reply and hang up phone calls, i took the matter in my own hand and received a Statement of account from XXXX XXXX XXXX XXXX stating i had a {$0.00} balance and sent it to Phoenix Financial. 
Mrs XXXX called on XX/XX/2019 and stated the statement of account did not prove that i had a XXXX  balance .. and that i still owed the balance to them.. " phoenix Financial '' and told me that " the validation of debt was in the mail once again! this has been going on for 3 months & 4 letter 2 faxes to Phoenix with requests to speak to a manager & no calls, No names. no return letters, and a bad mark on my credit, with no legal proof that there is a debt, Thank you 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 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
1. In or about the end of XX/XX/XXXXor beginning of XX/XX/XXXX I made a complaint about an unauthorized charge on my account.

2. At that time I notified the customer service representative that an final determination notices should be sent to my new address.

3. On XX/XX/XXXX after realizing the provisional credit that was granted had been retracted and causing an overdraft fee for five   transactions.

4. According to the customer service representative the address to which any notices should have been sent was not annotated.

5. I never received any notice directing me to forward any further information in regards to my complaint.

6. At the time the five transactions occurred I had funds in my account.

7. The retraction of the provisional credit caused my account to be overdrawn.

6. I would like the {$170.00} in overdraft fees returned to my account as they were not appropriately applied.

8. I also had overdraft protection during the time that those transactions occurred.

9. TD bank retracted the provisional credit did not occur on the date that is indicated on my mobile banking app.

10. TD is engaging in unfair consumer practices.

11. I have called numerous times and this issue has yet to be resolved.

12. TD bank has the duty to make me whole again.

13. TD bank phone calls are recorded, they should have pulled my previous phone calls and would have heard that a new address was previously provided.

14. TD should take accountability for their error.

Company response to consumer: Closed with explanation