vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: Ditech Financial LLC
State: UT

Complaint narrative:
DITECH FINANCIAL is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XX/XX/2018 Ditech went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now Ditech is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The creditor has contacted me and I have no knowledge of this debt. I have contacted my attorney to dispute this debt. The amount of this debt is {$560.00}. Therefore, I'd like this account deleted from my credit reports from all bureau. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
My credit card was used to make charges I did not make. My drivers license was photographed along with my credit card and false transactions were made on my card. I have tried to resolve these differences with Chase with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
This is a XXXX rental scam. Ive actually been scammed twice ( pretty much at the same time and in two different cities ) and so will be filing two separate reports. I am absolutely shocked that I could have been so naive as to fall for this, but the communications between the landlords seemed legit and the leases they provided also seemed very legitimate. I also feel that the situation was amplified by the weirdness around CV19 & not being able to meet up with people in person. I am trying to get my XXXX XXXX, and so Ive been searching out new cities to live. I found a reasonably priced apartment in XXXX, IN. This is the scam I am reporting in this claim. 

My initial contact with XXXX was made on XX/XX/XXXX where I responded to her XXXX ad. 

XXXX XXXX XXXXXXXX We back and forthed using the XXXX attached email ( can provide emails as well ), until XX/XX/XXXX when she sent me the lease agreement from her personal email. The lease seemed well written and had all of the suspected mentionings that an ordinary lease would have. I was wary of sending money to a stranger, but I also felt like the lease was a binding contract and if needed, I could reach out to a lawyer or something. 

She used the name XXXX XXXX XXXX when she signed the lease and provided the phone number XXXX XXXX XXXX XXXX. The address for the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX We had agreed upon {$850.00} for one months rent and a {$300.00} security deposit. My red flag went up when, after I had sent the {$1100.00} ( I sent it to her email, XXXX via XXXX ) she said shed made a mistake and that the deposit was actually supposed to be equal to one months rent, so she asked if I would send the extra {$550.00}. This is when I told her no, we agreed upon {$1100.00} and I wouldnt be sending any more money. And if I needed to send the extra {$550.00} in order to put down a deposit, then I wasnt going to and asked if she would send me my {$1100.00} back. She didnt reply for the next two days. 

I sent her the money on XX/XX/XXXX. 
XX/XX/XXXX was when she said she needed more money. 
I responded the same day ( XX/XX/XXXX ) telling her no I wouldnt send more money and if that didnt work for her then would she please send the money back. I didnt hear from her for two more days, until today ( XX/XX/XXXX ) where I emailed her begging to please say something as I was getting concerned. She then replied almost immediately, saying something that was pretty much gibberish and didnt make any sense. Ive tried calling her and theres no answer and no voicemail either. 

I am happy to provide the lease agreement she sent me and we both signed, and any other information required to assist in this case. Im not even sure if shes a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: GA

Complaint narrative:
To whom it may concern, XXXX XXXX Account number XXXX There is 1 issue with my Mortgage account that XXXX needs to resolve ASAP, I have been trying to resolve this issue over the phone for the last 15 months and nobody has been able to fix this. 

-There are late fees applied to my account on the following statements ( attached ) : -Statement dated XX/XX/2019 ( late fee {$69.00} ) -Statement dated XX/XX/2019 ( late fee {$69.00} ) As of today those fees have not been removed from my account and that needs to be removed immediately, I have never made a late payment, therefore, you can not charge me any late fees, please remove them ASAP. 
Attached is : -Copy of cleared checks/proof of payment for the months of XX/XX/2019 through XX/XX/2019 ( from XXXX XXXX XXXX ) Please fix this issue ASAP. 
Thanks XXXX XXXX cel. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW

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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I'm trying to link my checking account with another institution but the bank system do not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
Discover card reported my credit card account delinquent to the credit reporting agencies in XXXX of 2019. I have had this credit card account open for 10 years and Discover always deducts the monthly payment from my account every month. But last year I noticed a late fee and contacted them about why the payment wasnt deducted from my bank account and why I was assessed a late fee. The operator assured me the problem would be corrected and the monthly payment would be deducted from my bank account. Another 30 days had passed by and I saw that Discover still did not deduct the monthly payment from my account and contacted the credit reporting agencies that my credit card account was delinquent. I dont know why Discover did not deduct the payment from my bank account after they reassured me that they would and why the credit reporting agencies were contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I am a victim of a predatory loan. I bought a used XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX. I was told that with interest my total out of pocket would be approximately {$6300.00}. I signed the paperwork with Lendmark Financial as my loan provider. My monthly payments are {$230.00} which I have paid faithfully. Due to the pandemic, I was laid off from my job as a XXXX XXXX XXXX with XXXX XXXX XXXX. I called Lendmark to request a temporary moratorium while I wait for unemployment thinking I had very little left to pay on my debt. This was when I was informed that of the $ XXXX monthly payment ; that only {$63.00} a month was being applied to the principal. I was never informed during the initial sale that more than 50 % of my payment would be applied to interest. I am a XXXX year old man currently on a fixed income and this loan is creating an unnecessary hardship. I was duped by Lendmark Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I had a financial hardship that began in 2018. I fell behind on payments. The creditor, American Express, offered a repayment plan to me. I accepted their offer. 

The agreed payment plan requires me to make monthly payments in the amount of {$64.00}. American Express drafts my checking account electronically on the XXXX day of each month. We've been under this payment plan for a long time, and I've never failed to have sufficient funds in my checking account when American Express drafted my account for the {$64.00} monthly payments. In other words, I've never failed to pay the {$64.00} monthly payments when due and never have breached my payment plan with American Express. 

American Express recently reported to the credit bureaus that its has charged off my account after I've been performing as agreed and without any breach or default of any kind under the agreed payment plan. 

This charge-off has caused my credit scores to decline. Why has American Express charged off my account now when I have not breached or defaulted on the agreed payment plan and have months and months of perfect payment history under the plan? 

This strongly appears to me to be abusive and detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: UT

Complaint narrative:
XXXX XXXX is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XXXX of 2018 XXXX went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now XXXX is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.

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 2020-07-20 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: UT

Complaint narrative:
XXXX XXXX is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XXXX of 2018 XXXX went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now XXXX is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2020, I submitted a dispute online with Transunion ( TU ) requesting to have my account with the Texas Attorney General Office investigated for errors. On XX/XX/2020, I checked my update credit report to see if errors were corrected. Unfortunately, errors still remained on my credit report for this account. That same day, I sent a request via certified letter to TU advising that my account with the Attorney General still contained errors on my credit report and I would like to have them corrected. TU received and signed for the letter on XX/XX/2020. As of XX/XX/2020, I have not received a response to my request from TU. From indications, it appears that my request was ignored.

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 2020-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB is knowingly allowing credit reporting agencies to violate the laws set to protect consumers under the FCRA sections 609 & 611. On XX/XX/XXXX XXXX  was mailed certified another dispute to remove inaccuracies from my credit file. On XX/XX/XXXX after no response, I filed a complaint here to no avail. CFPB set to protect consumers advised on XX/XX/XXXX they are allowing XXXX to violate the law further by providing an ADDITIONAL XXXX to respond. This is insane! How can consumers be protected if the protection is ALLOWING them to break the law!? I will not cease until action has been taken to make creditors and agencies uphold the law set to protect consumers! 

XXXX was advised to show procedural proof and contact of the those furnishing this information. I have attached the letter of suppression from XXXX XXXX which advises they are not providing public verification as well as a statement DIRECTLY from The XXXX XXXX Georgia Bankruptcy court stating verbatim that they DO NOT VERIFY OR SPEAK TO ANY CREDIT REPORTING AGENCIES! And another template letter from XXXX  dishonest stating that they in fact verified the information from the court directly!

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 2020-07-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently applied for a WELLS FARGO VISA Credit Card. Several days later I was rejected based upon a list of possible reason ( s ) for the declination. 

Several months ago, Wells Fargo closed my {$2000.00} line of credit which I held with a local furniture company. They did not inform me and then reported that I, the consumer, had requested the account to be closed. That is untrue as I did not want the account closed. I did not contest the falsity of that on my Credit Report ( s ) though in hindsight, I should have. 

Now that Wells Fargo has rejected me for this VISA Card I suspect, although I obviously am unable to prove it, that they are discriminating against me for reasons of my age ( XXXX ), my sex or my race. I can not understand their " lack of reasoning '' when my current credit history is excellent ; I pay my bills timely, and I have other banks which find me credit worthy. 

I am therefore bring this Complaint under the purview of the Federal EQUAL CREDIT OPPORTUNITY ACT which prohibits creditors from discriminating against credit applicants under various forms of discrimination, including and not limited to, age, race, sex, etc. 

In trying to do online research it appears that Wells Fargo is infamous about the sleight of hand which they use when determining whether an individual is credit-worthy. Again, I am unable to " prove it '' but I see no other reason for their declination aside from some form of " hidden to the applicant '' discrimination. 

I bring my case before you and I ask that you advise me of your thoughts on my concerns against WELLS FARGO BANK. 

Thank you, 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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I have money on my cash app and cash app is not allowing me to deposit my funds to my bank. please help me retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TCAR Inc
State: WA

Complaint narrative:
After purchasing a new home in XXXX of XXXX, I got a bill for for an outstanding medical balance never previously received ( XX/XX/XXXX ). The bill was through a collection agency ( TCAR Recovery, Remarketing, Collections out of XXXX XXXX, XXXX  ). When I contacted TCAR to verify the claim they were pursuing, I was notified of an unpaid medical bill from XXXX Hospital in XXXX XXXX, XXXX  for emergency room services received XX/XX/XXXX. The notice by mail from TCAR came through my previous address in XXXX, XXXX  and was forwarded to my new home in XXXX, XXXX  via US Postal Service automatic forwarding. I contacted TCAR in order to get copies of the invoices. Once I realized that the medical bill was for services I had received that should have been covered by my health insurance plan, I contacted my health coverage member services to see what options there were for coverage. My health insurance company informed me that although the services I received were more than one year previous, I could submit invoices for coverage. When requested from XXXX Hospital, the original invoices had been mailed to a previous address in XXXX XXXX XXXX, where I hadn't lived since XXXX of XXXX. ( Current XXXX  State address, Identification and Insurance Plan information was submitted to XXXX on the date of service ). After explaining to XXXX Hospital the incorrect address on their invoice and subsequent forwarding to collections through TCAR was their responsibility and my insurance plan had offered to cover services if XXXX would resubmit claims, XXXX had computer recovery issues and were to send me copies for submittal my health insurance company ( Phone records XX/XX/XXXX ). Those records never came nor any additional contact by mail nor phone was received from either TCAR nor XXXX, so I assumed that XXXX had realized their mailing mistake and not pursued billing or had gotten paid from my health care provider. In XXXX of XXXX I got an updated credit report to pursue refinancing of my home and was informed that the collection request was still pending. My wife contacted XXXX in XXXX, XXXX and XXXX informed her the bill was still outstanding. Help is needed to resolve this issue caused by mailing the original bill to an outdated address and subsequently sending to collections even though full health insurance benefits were in place at the time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi cards continues, each month, to charge more and more interest and late fees for a fraudulent original amount of {$270.00}. 
I have made numerous attempts to resolve this, yet they demand payment of this fraudulent charge of {$270.00} us all the fees that grow each month. I will not pay, and I shouldn't be put in this position. I immediately alerted them that a scam artist charged me {$270.00} as I thought I was paying for my XXXX  license. Instead, I was told the fee was to pay for an EIN number, which of course I already knew i could obtain for free via the irs website. Please help me, as Citi cards will not listen. I even disputed the charge, explained what happened, yet they take the side of the scam artist.

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