vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: SC

Complaint narrative:
I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

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 2017-07-05 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: SC

Complaint narrative:
I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

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 2017-07-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX agreed to remove their account off my Experian timeline. At this time XXXX is still reporting derogatory information on my Experian Credit Report.

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 2017-07-05 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: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I am asking {$450.00} promotional bonus from TD Bank due to promotional offer. On  XXXX   XXXX ,  2017  I opened a premium checking account and convenience checking account as brand new customer. According to promotional offer, If customer make {$2500.00} direct deposit can get {$300.00} bonus for premium checking. If customer make {$500.00} direct deposit for convenience checking can get {$150.00} bonus. Followed by these requirements, I had direct deposit more than {$2500.00} on  XXXX   XXXX ,    2017  to my premium checking within 60 days and another direct deposit more than {$500.00} to my convenience checking on  XXXX   XXXX ,  2017  within 30 days. I had asked bank numerous times including personal visit to branch, secured message, over the phone etc. to pay. However this bank used different excuse to refuse to pay {$450.00} bonus. In order to avoid monthly service fee, I am asking the bank to hold these  XXXX  accounts to pay {$450.00} bonus. OR I am asking this bank to pay {$450.00} and close these  XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: TX

Complaint narrative:
Transunion had a computer breach in their system that violated the rights of consumers under Section 6.11. Through this computer glitch/breach, my credit inquiries were deleted and reinserted. This glitch affected my credit score by removing inquiries which increased my credit score. Soon after, all of the inquires were reinserted to my credit report without prior notification ( written ) in violation of the Fair Reporting Credit Act ( Section 6.11 ) which caused my credit score to drop.I spoke with a Transunion  representative on XX/XX/XXXX to discuss this matter and my knowledge of the reinseration of inquiries on my credit report without notification. She asked for the dates of the inquires and acknowledged that the glitch did occur but that only XXXX XXXX consumers were affected. I was told that my inquires did not fall in the 2 year reporting limitation. They refused to fix their error on my credit report and advised that I get proof from creditors to delete this information. I am requesting that the reinserted inquiries be permanently removed from my credit report. I request that the following inquiries be removed immediately 1.XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX MO on XX/XX/XXXX, XX/XX/XXXX 4. XXXX on XX/XX/XXXX, XX/XX/XXXX 5.XXXX on XX/XX/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 2017-07-06 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: NY

Complaint narrative:
My complaint is against Equifax : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that Equifax were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with Equifax ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : Equifax Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, Equifax is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XX/XX/XXXX Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and XXXX attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
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 2017-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.

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 2017-07-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex Express, has place fraud information on my credit report. As of XX/XX/XXXX, on 2 accounts I had with the company. One amount Account charged off. {$2800.00} written off. {$2800.00} past due as of XX/XX/XXXX. On the first account I had made arrangement to pay ever month and you can see in the example below, payment were being made on time after the arrangement was agree on by the company through a recorded conversation. At no point in the report it shows the amounts that were paid ' Account History : Charge Off as of XX/XX/XXXX Balance History : XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2900.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3000.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2600.00} / no data / Unknown / Unknown XX/XX/XXXX : {$0.00} / no data / Unknown / Unknown The second Closed. {$320.00} past due as of XX/XX/XXXX. Show the same fraud information by this company, all my payment were up to date and there were no late payment. <P/>Balance History : XX/XX/XXXX : {$510.00} / no data / Unknown / Unknown XX/XX/XXXX : {$470.00} / no data / Unknown / Unknown XX/XX/XXXX : {$430.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$350.00} / no data / Unknown / Unknown XX/XX/XXXX : {$320.00} / no data / Unknown / Unknown XX/XX/XXXX : {$420.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$490.00} / no data / Unknown / Unknown XX/XX/XXXX : {$530.00} / no data / Unknown / Unknown XX/XX/XXXX : {$910.00} / no data / Unknown / Unknown XX/XX/XXXX : {$75.00} / no data / Unknown / Unknown I will like the company to see there file showing the account was late at anytime?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
GM turned me down for a lease on a new vehicle, stating that XXXX ca n't give them a credit score,  due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: AK

Complaint narrative:
Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.

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 2017-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maury Cobb, Attorney at Law, LLC
State: HI

Complaint narrative:
I have been sent to Maury Cobb Law services for an account at XXXX and this company started to call me non stop.When I called them back, XXXX, XXXX of the agent said we can settle it by making the monthly payments.I really wanted to clear off my balance but only can afford $ XXXX monthly until I pay off my {$6000.00} past due.For fee months I was making regular payments until they offered me a settlement amount.The only thing is, I could not come up with another {$1300.00} immediately so they have not stopped calling to collect the remaining payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation