vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: NM

Complaint narrative:
On XX/XX/XXXX I received a call from Western Shamrock on my work phone #. I made a payment via phone that same day & I asked the caller not to call me at work anymore. She stated as long as I did not ignore her phone calls on my cell phone that she would stop calling me at work. I informed her that I could not receive personal phone calls at work. Since then they have called me multiple times on my work phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I want these calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Loan Care has sent me 3 letters stating that I am in default and am going to loose my house. They sent me the first letter on XX/XX/XXXX. They sent another letter on XX/XX/XXXX. They then sent another letter on XXXX. This is now harassment. I have payment receipts from them for the month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX and so on. I can also show where the check cleared my bank. The check for the month of XXXX was put in the mail on XXXX, XXXX so I am not behind on any payments. This is causing me unmeasurable anxiety, I am scared someone is going to show up and kick me out of my house. It's giving me hives and making me loose sleep. I need this taken care of ASAP the emotional distress it is causing me is taking a toll on my daily life.

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 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX XXXX for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.

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 2020-01-28 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: FL

Complaint narrative:
On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX XXXX for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka XXXX XXXX left detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of XXXX to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: FL

Complaint narrative:
I have disputed a XXXX XXXX and XXXX  account with every bureau, but specifically equifax for the past 90 days and they have done nothing! they have provided no proof of verification. i have sent several letters and contacted them. i HAVE ALSO CONTACTED THE CREDITORS DIRECTLY. The equifax staff hangs up on me and none of them offer assistance. I need XXXX  and XXXX XXXX removed. They have been removed from VERY bureau EXCEPT equifax who keeps updating those 2 FRAUDULENT, UNVERIFIABLE ACCOUNTS. I have attached proof of deletion from XXXX  and XXXX  of those two aforementioned accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I was approved for {$1800.00}, for my son to get car repairs. The loan # XXXX was for roughly {$1300.00} worth of work. The payment agreement was for roughly {$120.00} every two weeks to be debited from my bank account. My son 's banking information has been put on the account for the funds to be directly debited from his account. Recently he made a payment of {$100.00} on or about XX/XX/XXXX, which was slightly less than the amount due on XX/XX/XXXX. On or about XX/XX/XXXX, I received a text indicating the payment was past due for {$20.00}. I immediately called and made the payment to bring the account current. The next payment was due XX/XX/XXXX ; however, for some reason it did not go through my sons account for {$120.00}, ACIMA collected a payment for {$20.00}. Today, XX/XX/XXXX, I received an email indicating a " second attempt '' to notify me that my account is past due. This is not correct. I have not received any notification prior to today indicating my account was past due. Furthermore, when I contacted ACIMA I was told that because the {$20.00}, did not process on the XXXX of XXXX, even though I promptly paid it, ACIMA will rerun any transactions that failed in the past, even though they have been paid. I was told that the XX/XX/XXXX did not process making the account past due ; therefore, ACIMA reran the {$20.00} that failed on XX/XX/XXXX. So the {$120.00} was not available so that will rerun any previous payments that failed. That makes no sense and only can harm the consumer. The ACIMA Representative indicated this is in my lease in " Section 12 ''. This practice can not be legal and if it is legal it should not be legal and it definitely should not be buried within the lease in " Section 12 ''. If a merchant is permitted to draft my account for a specific amount and said amount is ultimately paid my another means they then should not be allowed to rerun that amount again, at all without expressed permission to do so. The merchant has never been given full autonomy to access a consumer 's bank account, especially if a payment is made over the telephone or otherwise for a specific amount clearing up that arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I submitted a dispute with Experian about a mortgage account balance with XXXX XXXX XXXX. I was told the information in my credit report was correct, the balance was {$570000.00} and I would have to go to the lender if I disagreed. I wrote to XXXX XXXX XXXX and received a letter stating that the account had a XXXX   balance and had been closed on XX/XX/2018. I submitted this letter to Experian and their response was to change the balance to {$570000.00} and I would have to go to the lender if I disagreed. I tried calling the telephone number they list for disputes and their phone tree doesn't have that option. I don't know what else I can do.

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: OK

Complaint narrative:
My mother has credit card debt and is in the process of filing bankruptcy. 

Northstar Location Services has called me repeatedly using the number XXXX. I have repeatedly told them to cease contact and they continue to call me. A record of their calls to my number XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call There is at least one other instance, however I have cleared my phone prior. 

These are the calls I am personally receiving. My mother receives multiple calls on a daily basis and is afraid of the company calling her work number. A coworker of hers has received calls from the same company at their work number. 

The company has progressed to not only calling myself, but also my brother ( who did not know nor needed to know our mother is filing bankruptcy ) and has also called his father. For the record, his father is our mother 's ex husband and they have not had contact in nearly a decade. Thus, he is not family. 

These calls have become harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: VA

Complaint narrative:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-28 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I told them I wanted to stop all ACH transactions because I was filing bankruptcy. They continued to add charges to my loan it was {$910.00} now it is {$1100.00}. They started sending harassing e-mails saying they were going to take the full amount from my account. They made me agree to a payment plan I was not comfortable with to stop them from adding more charges to my loan. I told them I may have to change it if I have XXXX. They emailed me and asked what kind of XXXX I was having despite the HIPAA laws. They also asked several personal questions like how much time would I need off, if I would be paid when I am off etc. I told them I had no contact numbers and the sent an email saying what do you mean you have no work number? The harassment continues. The employees name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 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 2020-01-28 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 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 2020-01-28 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 is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. XXXX  and XXXX  are reporting correctly a {$0.00} balance due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NY

Complaint narrative:
On my transunion credit report these are not my accounts or inquires

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 2020-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/2019 I contacted Discover Bank regarding an error on a custodial account for which I am the custodian. I became aware of this error when I receive a 1099 in the mail for an account that should not have one. Discover apparently backup withheld on this account even though they had a valid TIN for the minor and all the proper paperwork on the account. 

I requested that they reverse the transaction and correct the 1099 with the IRS. They refused. 

All that was offered was to credit the amount back to account as a " courtesy '' and advised me to consult a tax professional about how to handle the 1099. They claim there is no way to correct the 1099 error, which I find very difficult to believe. It is far more likely that they don't want to deal with the hassle for an IRS correction. To put the onus on me, to hire a tax professional to deal with this is absurd. They actually attempted to blame the situation on me for not noticing the very small withheld amount during XX/XX/2019 and said I should have reviewed my statements. Again, ridiculous. This is a custodial account for which I made a couple deposits each year as gifts to my niece. I trust that my bank will handle the account correctly and should not have to monitor for their mistakes. 

I am asking the CFPB to intervene and prompt the bank to make the correction they are responsible for. 

I did not upload a copy of the 1099 as it contains sensitive personal information and I am not certain of the data security over this communication. I have several custodial accounts for family members, so I will identify this as the account belonging to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A XXXX quick payment on XX/XX/2020 was made through hacking my JP Morgan Chase checking account. The amount of {$1100.00} was transferred to a recipient s email of whom I do not know and is not listed on my XXXX contacts. I reported the incident immediately to Chase fraud department and made a fraud complaint. 
I than closed my bank account at my Chase branch on XX/XX/2020 as soon as the transaction went through. Took my computer to XXXX XXXX XXXX XXXX to scan for the hacks and viruses of which there were a few, and added a program to wipe these unauthorized dealings out and a anti viruses software was installed and activated XXXX on XX/XX/20. 
I changed my email and all passwords on computer and bank accounts for future on line banking, and Chase Quick Pay. I THEN FILED A POLICE REPORT FOR FRAUD AND STOLLEN MONIES, AS WELL. 
On XX/XX/20 Chase updated my claim, and is refusing to take responsibility for XXXX Quick Pay, a service they provide, and will not reimburse me my {$1100.00}. This is a not acceptable as I am a Chase private client and it is my money that was taken from my Chase account and given to whomever without my consent! 
XXXX has no customer service nor person to complain to or answer to this problem. They refer all calls for customer service to your Bank of choice. No one is taking responsibility. Please Help. Thank You.

Company response to consumer: Closed with monetary relief