vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
We are currently past due on our payment to chase card services. 

Their collections and past due department has been calling us between 1 and 3 times a day on both my office line and our cell phones. The only reason we know that it is chase is the callerID information and a google search of the number. ( XXXX ) On the cell phone, the automated dialer hangs up without playing any message or hangs up on the second or third ring. ( I 'm pretty sure that it 's hanging up on the 2nd ring, and the variance is from the cell network ) In the case of the office number, their automated dialer allows the phone to ring exactly one time before hanging up, and disconnects the call 100 % of the time if answered instantly. ( I programmed the office phone system to answer that number immediately and connect to my desk via a conference call. they still drop the call within a few seconds. ) At this point, I just want the calls to stop. 
The office line costs us money for each call, so I called the number back at some time between XXXX XXXX and XXXX to notify them that the dialer was not working and request that they remove the office line from the contact list. 

They did not remove the office number. 

I called the number back for the second time on XXXX XXXX at XXXX/cst to request that they fix the dialer, and informed them that If they did not remove that number from the call rotation I would be filing a complaint for failure to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: MN

Complaint narrative:
I 'm constantly getting calls from these companies concerning a debt collection. I 've spoken with them previously and acknowledge the account even though I was half sleep after working. I 'm unable to live due to calls from them everyday all day. I 've even tried blocking their number but the robot caller just picks it up and leave messages that can be retrieved / played by anyone that uses my phone. They state that they 've sent letters to me which I 've never received and could be a lie because I check my postal box very day and read every mail that comes. I 'm having a hard time focusing on work and my children due to them threatening me to sue me over accounts I tried to keep active with the original creditor but they would n't listen or acknowledge the hard time I 'm going through due to having a baby, being separated from my children 's father, losing a close sister that was very young to death and other problems that comes along when you think your doing good and being honest to keep a good credit score to have a home for your children. Right now I 'm homeless as of XXXX XXXX, 2017 due to land lord not renewing my lease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.

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 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: FL

Complaint narrative:
They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.

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 2015-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RESIDENTIAL WHOLESALE MORTGAGE
State: CA

Complaint narrative:
XXXX XXXX, XXXX # XXXX & XXXX. Cost me a purchase transaction as he was telling my borrower he had to cross qualify with his lender. My borrower refused and had a pre-approval letter from Residential Wholesale Mortgage , Inc & XXXX. This is a violation of the Privacy Act and the CFPB takes this very seriously. The lender XXXX XXXX at XXXX XXXX would not accept our pre-approval letter. This cost me time and money and we are still looking for a home. 

XXXX XXXX XXXX, XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While we are trying to refinance we discovered that all XXXX major credit reporting bureaus had the wrong date recorded for our bankruptcy discharge date. Correct date is XXXX/XXXX/XX/XX/XXXX not XXXX. After sending the supporting court documentation, XXXX and XXXX corrected the information within 48 hours. Experian did not. We even sent additional information to Experian showing the court made a mistake and the court order to vacate the incorrect bankruptcy order as it was an error. Experian still has not fixed the issue. My wife has called 9 times trying to get the issue resolved and explained to them the time crunch regarding our refinance. She has been hung up on, promised a call back on XXXX different occasions ... .which she did not get. There attitude regarding customer service and trying to help us has been rude and very unhelpful. Also there is an incorrect code under the payment history for XXXX XXXX and fairwinds federal credit union. The underwriting department sent us a screen shot showing the incorrect code under payment history ( XXXX ) This is a charge off foreclosure code and not a bankruptcy discharge code. Experian says they ca n't see the code in payment history even though we sent then a screen shot showing it. We are extremely frustrated because they wo n't correct the info even though they verified that they received the forms we sent and the other XXXX agencies did. If it is not corrected ASAP we are not going to be able to close on our refinance in a timely enough matter to stay at a lower interest rate. Also we are concerned that it will not get corrected at all which will further affect our credit.

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 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: MD

Complaint narrative:
My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX Bank. The written letter offered the option of " XXXX payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX Bank reported my account to Experian as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In response to Case # XXXX. XXXX XXXX did n't read the cover letter or any of the supporting documents that were highlighted! They only responded to a {$5000.00} line of credit I had opened with XXXX XXXX in XX/XX/XXXX. That account was closed in XX/XX/XXXX and was paid off and never late. The account in question, created fraudulently by XXXX XXXX Credit card services in XXXX, was sold to XXXX XXXX and collected my XXXX XXXX XXXX in XX/XX/XXXX ( {$80000.00} ). Their actions violated the Dodd-Frank act and addressed by ( XXXX ). The actions of XXXX XXXX and carried out by the Credit Agencies, caused physical and financial harm over the last 7 yrs. Robo-signed court documents created by XXXX XXXX Lawyers used by credit buyers to sue innocent customers! Please attach to the original complaint. 
-XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian notified me on XXXX/XXXX/2016 that there has been a change in my credit score. When i logged in I noticed there is recent XXXX activity on my credit report, which lowered my credit score. 
I did not authorize an inquiry therefore, I suspect there has been an attempted ID theft. 
Experian is unresponsive to my inquiries.

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 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. 

There is a person I am not AWARE of on my account, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing XXXX, XXXX, and XXXX concerning lateness on mortgage payments. 
I do not have any idea on a loan I had with XXXX so more information from them is needed. 
XXXX became insolvent and was purchased by XXXX. My original loan paperwork stated that there could be no changed to the original document without my permission. XXXX unilaterally implemented escrow for taxes on top of my principal increasing the total amount by XXXX %. I disputed their authority to do this and continued to pay the originally agreed on principal shown on the mortgage. Several time XXXX returned my personal checks stating they could not accept personal checks. After a while I had my bank issue the payments since XXXX would not record receipt of my checks. For several months they continued to refuse accepting payments from my bank. I had to retain counsel to settle their claims but they did not notify the credit agencies to remove the negative comments they had submitted. One would think that XXXX would not have wanted my account if I were such a bad credit risk but they did BUT they " forgave the debt '' i.e. the months they did not accept premium payments and rewrote a new agreement including the " forgiven debt '' into the new agreement. Watch out when XXXX " forgives the debt '' because they notify the IRS and the IRS considers that as income which you will be taxed on. It cost me about {$30000.00} in legal fees to dispute XXXX plus the law firm I used did not advise me that there would be a tax consequence if a debt is forgiven. If I would have known that then I would have told my law firm to negotiate a better deal. Their forgiving the debt cost me another {$10000.00} due to the IRS so overall it cost me {$40000.00} because XXXX did n't honor the original loan documents.

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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation