vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: WA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my 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 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
ON XX/XX/XXXX I WENT TOFIRST FINACIAL BANK THE BRANCH I BANK WITH AND WITHDRAWLED SOME MONEY OUT OF MY CHECKING ACCOUNT BECAUSE I WAS LEAVING ON XX/XX/XXXX TO GO ON VACATION WITH MY FAMILY I AT THAT TIME TOLD TELLER TO MAKE NOTE I WOULD BE TRAVELING THRU KENTUCKY TENNESEE AND VIRGINIA AND NORTH AND SOUTH CAROLINA IF CARD WAS NEEDED TO BE USED ON XX/XX/XXXX I RECIEVED A TEXT MESSAGE ABOUT MY CHECKING ACCOUNT I IMMEDIATELY CALLED THE 1866 NUMBER TO SEE WHAT WAS GOING ON AT THAT TIME I WAS TRANSFERRED TO MY BRANCHAND TOLD I WITHDRAWLED OVER XXXX SOME DOLLARS WHICH BY FAR WAS NOT TRUE I NUMBER ONE WAS NOT ANYWHERE NEAR TEXAS WHERE THESE CHECKS WAS FROM THE BANK MANAGER WAS VERY RUDE ON THE PHONE TO ME ACTED AS IF I WAS IN THE WRONG I WAS TOLD TO FILE POLICE REORT AS SOON AS I RETURNED ON XX/XX/XXXX I DID THAT THE SAME MORNING I WENT TO MY BRANCH AND WAS TREATED THE SAME WAY WHEN CLEARLY I WAS A VICTIM OF IDENITY THEFT FROM THAT DAY ON I HAVE HAD NO ASSISTANCE THRU BANK NO CALLS NOTHING LETTING E KNOW WHATS GOING ON ALSO I HAVE XXXX BEING KEPT FROM ME FIRST IT WAS TO INVESTIGATE NOW ITS THE BANKS TO KEEP BECAUSE I WAS OVERDRAWLED I CALLED ON XX/XX/XXXX AND WAS ASKING QUESTIONS GOT TOLD 3 DIFFERENT VERSIONS WAS TOLD MY MONEY STILL WASNT AVAILABLE AND WAS THERES AND AFTER I HAD TO CUT HER OFF AND TELL HER THE VIDEOS SHE HAD OF ME AT BANK WAS MY MONEY I WITHDRWLN THESE CHECKS WAS DONE THRU ONLINE BANKING MOBILE BANKING I DO NOT UNDERSTAND HOW A BANK CAN ALLOW 3 CHECKS TO GO THRU THAT DO NOT EXISTS ANYWHERE AND HOW THEY DIDNT STOP THEM BEFORE IT GOT THAT BAD AND WHY MY MONEY HAS NOT BEEN RELEASED I HAVE CONTACTED A LAWYER AND HE IS LOOKING INTO IT AND STILL AS OF XXXX TODAY THAT BANK MANAGER HASNT RETURNED MY CALLS SO I KNOW THEY KNOW THEY MESSED UP SOMEWHERE IM THE VICTIM BEING TREATED LIKE A CRIMINAL

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 2019-08-21 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: Ballybunion Enterprises, Inc
State: NC

Complaint narrative:
Freedom acceptance corp continues to report fraudulent information to my credit report. They say I opened a account with them XX/XX/XXXX which is incorrect. They keep changing dates to keep this incorrect info on my report. They also are reporting false payments to keep the account on my credit file. They stated I made a payment to them on XXXX XXXX XXXX. I have NEVER made a payment to this company amd I have NEVRER open an account with them. They refuse to give me any information. They are known for doing this illegal type of practice. They had a lawsuit filed against them in XXXX by the VA Attorney General for the same exact thing but yet they continue to practice these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA

Complaint narrative:
Savings accounts I opened in XXXX for my then minor sons for their college funds have been charged for monthly service fees for " inactivity ''. I discovered this when trying to withdraw funds for their college. The accounts had {$2000.00} when opened, they now have {$1500.00} and {$780.00}. First Interstate Bank manager XXXX XXXX has offered to refund 9 months ' fees stating " It looks like the accounts went dormant XX/XX/XXXX. This means there was 18 months of charges for each account '', however, I know this is not true since the funds have been untouched by my sons and me except for a withdraw made by one of my sons for approx. {$300.00} in XX/XX/XXXX and a couple of deposit made by me when I could afford it. I am trying to get a printout prior to the 18-month printout I was able to get from a teller in the XXXX XXXX, which was as far back of record they keep at the branch level. In one email Mr. XXXX said he could get the printout further back but they would have to charge me for it. The next email from him ignored the request I had made about getting printouts. I don't think he is being honest with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am again disputing my debt with XXXX. On or about XX/XX/2019 I received a new demand letter from another collection agency, this time Credence Resource Management LLC ( " CRM '' ). On or about XX/XX/2019 I requested validity of debt ( see attached ). On or about XX/XX/2019 I received a letter from CRM simply stating that the debt was valid. I called and spoke with a representative at CRM on XX/XX/2019, advising them that I had requested validity of debt, including but not limited to, invoices, contracts, copies of statements. When advising the representative of this, he only kept interrupting me advising me that I can pay a lower amount to settle. I continued to advise him that I had requested validity to prove the debt. He then kept trying to terminate the call. Please note, I have disputed this debt with another agency, reference # XXXX on or about XX/XX/2019. CRM will only validate the debt by saying 'it is valid '. I do not feel this is appropriate validity of debt pursuant to the FDCPA. I have not had XXXX in years, I have paid all balances when I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
Aargon Agency Inc is reporting a collections debt in the amount of {$1100.00} on my credit and the original creditor XXXX XXXX XXXX XXXX. The listed open date is XX/XX/2019 and last reported on XX/XX/2019. 
I have not received any communication from Aargon Agency in regards to any debt and certainly have not opened any accounts on XX/XX/2019 with XXXX XXXX. 

I do receive harassing and threatening voicemails from 1-2 times a day from phone number XXXX threatening to come to pursue me at my place of employment and home. They request I call back XXXX to resolve but do not leave a contact name, business name or any information in regards to where they are contacting me from. I believe this is illegal practices performed by Aargon Agency on top of the false debt reporting. I do not have any outstanding debt or collections other than what this agency is falsely report on my credit to explain these calls.

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 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
To my knowledge I have never had an account with XXXX. I received an alert on my credit and discovered this company has placed a collection account on my credit. Account XXXX XXXX. I have lived at my residence for over 20 years. That said, I have never received a bill from the collection agency or the original creditor. I sent Cavalry a certified letter requesting them to validate the debt- it's been over 120 days. It appears they are in communication with they bureaus alleging the debt belong to me- but I cant get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I purchased a property on XXXX. My mortgage was sold in XXXX to PennyMac ; from XXXX XXXX ( original mortgage ). I have a spreadsheet of all my payments to both mortgage companies. I believe PennyMac added almost {$500.00} to my principal in the purchase of this mortgage. I have called PennyMac twice to sort this out and they claim all is accurate. I can enclose all my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMB Financial, LLC
State: OK

Complaint narrative:
I have entered into a debt settlement with DMB Financial. My enrollment was XX/XX/XXXX I did not have any problems with them until I made a decision to close two accounts in XX/XX/XXXX. I made contact with XXXX XXXX and explained that if we did not close The XXXX XXXX account they were going to charge penalty interest of XXXX dollars. Additionally, I explained to her that I wanted to close my XXXX credit card account last four ( XXXX ). I asked her to tell me how much it cost to close these two accounts.She told me after talking to debt settlement consultant that I would have to pay XXXX cents. These express directives given by me to Ms. XXXX. XX/XX/XXXX I found out that neither account was closed. However, I was charged three debt settlement fees in excess of three thousand dollars. I hav documents supporting documents. I have called the new DMB agent XXXX XXXX on these areas.They have not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
XXXX XXXX from Midlands credit management has called my work everyday for the last 2 weeks I have told him I can not take personal calls at work and he keeps calling. I told him again today XX/XX/2019. He also calls my company cell phone after I ask him to stop. He has treated me and will not stop. He keeps trying to get my bank info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: TN

Complaint narrative:
XXXX, TransUnion, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX Court. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as PACER or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. XXXX has two accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since 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 2019-08-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX, XXXX, and Equifax agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy XXXX XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has XXXX accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
My company ( XXXX XXXX ) was using a fire alarm monitoring service provided by a company called XXXX XXXXXXXX. 
I signed the service contact ( XXXX XXXX ) and it gave a personal guarantee. The contract did not how ever list or explain what would happen if the contract was canceled. And I was charged a fine of {$7200.00}. 
XXXX XXXX then employed a debt collection agency called Keynote Consulting to collect the debt. I then passed the dispute to my lawyers who highlighted the issue that the charge was not valid since it was no included in the signed service contract and there was no mention of a fine in the event of early termination. 
Keynote consulting then filed circuit court of XXXX county and the case was dismissed, but yet the charge of {$7200.00} remains on my personal credit and as the debt collector from Keynote consulting said " they will keep dinging my credit until I pay up '' As you can see from the attached contract no where does it mention a early termination fee. And as the case was dismissed in court, the charge should be removed from my credit report. 
Thank you for your 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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello i have put in a dispute letter to Transunion with a tracking number on the letter and i notice that they got the letter on XX/XX/2019 but they post the reply letter on the envelope for the XXXX of XXXX so this mean that they are later i did not get the letter on time they are late and the accounts on this report needs to be removed because now they are in violation of the 30 day rule

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 2019-08-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
EFX Code E Fraud Victim Alert Type Extended RPTD XX/XX/XXXX, Effective XX/XX/XXXX Contact ( XXXX ) XXXX XXXX XXXX Daytime address not provided/ Additional info recvd from XXXX FRAUD 3rd Party on my credit report. 
I tried to call this number today, XX/XX/XXXX but no answer, just beeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX we paid USAA credit card off with total amount of XXXX MY wife then asked about a few charges that where Made in XXXX and XXXX of XXXX In XXXX we received a refund Check for I think XXXX dollars Then in XXXX we received a bill from USAA for XXXX. I called and spoke to a representative from USAA And was told that they would take care of it.I Received several bills after that with late payments and over due charges I continued to call and finally got frustrated and closed all accounts I have even received a bill from them that post all charges on one day these repeat charges were all paid for back in XX/XX/XXXX. I have received ( 2 ) new cards from USAA but have never activated them. As of to date they have ( 3 ) cards listed on account ending in XXXX, and XXXX. The XX/XX/XXXX bill lists 22 charges totaling XXXX dollars all having transaction dates of XX/XX/XXXX and post date of XX/XX/XXXX At this point I am not sure which card is which. Every time I would call to fix this problem you would get someone new and would have to start all over again and then no one would get back to me. When they did call is was some one trying to collect payment and when I would go thru the spill again I was told not to pay till someone returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had a payment plan set up. I got evicted so I am homeless and trying to save to move into a new home, so I had to stop payments. I am now getting 6 calls DAILY after explaining that I can not make a payment at this time. 

Just today they have called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XX/XX/XXXX ) and it is only XXXX XXXX. Voicemails are only left once every other day. the number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for. 

the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have an account with Chase bank, charges on my credit card comes to {$930.00}. Chase claims the charges are {$1000.00}. I have spoken to different people in different Chase bank and each time I am told something different. I have asked each person I spoke with to explain to me in writing so I could better under. Each person refused. 

Also I have another credit card with Chase which I have not used in over two years. Chase takes auto payments from my account checking account. Chase has taken {$110.00} up to {$160.00} from my checking account each month for payment on this card. The balance never got below {$5000.00} in the two years. I paid the total amount due on account before the due date to avoid attitional interest, not only did Chase charge me interest on a zero balance, but charge me additional dollars.

Company response to consumer: Closed with explanation