vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: AZ

Complaint narrative:
I have sent XX/XX/XXXX,XX/XX/XXXX, and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.

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 2021-01-08 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: AZ

Complaint narrative:
I have sentXX/XX/XXXX, XX/XX/XXXX and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I stayed at a XX/XX/XXXX which I had booked through XXXX. XX/XX/XXXX wanted a deposit of {$57.00} to be released the following day when I checked out. 

I've spoken withXX/XX/XXXXseveral times and they assure me that they released the hold. 

The card that I used was an American Express Bluebird card. I've contacted American Express several times trying to discuss what should be done and they don't want to do anything about it. 

They said it will be held for 30 days unless the hotel releases the hold or mails a letter to American Express stating as much. 

I understand that there may at times be a need for credit card companies to hold funds. However for a credit card company to withhold my money from me for any amount of time when it is unwarranted in my opinion is theft. 
Respectfully XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notice from Ceders Business Services in XXXX, CA stating that when my wife and I were in XXXX in XXXX, XXXX we got a {$800.00} speeding ticket in XXXX, XXXX XXXX over a year before ). We were never notified by the rental car company that there was a ticket, and I am not sure that we were even speeding. I don't understand how legally they can harass people for an international speeding ticket that we never got .... I believe this is a scam. I looked on the XX/XX/XXXXwebsite and saw dozens of the same story. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: OR

Complaint narrative:
In XX/XX/2020 I disputed this collection on XXXX XXXX XXXX On my XXXX report Knight Adjustment responded saying this was accurate despite the fact that I let them know it was identity fraud. The other two agencies removed it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX received an email from Sear Citi-Bank stating my account was now open. 
Multiple calls were made to Sears and Citi-bank to explain that no account had been requested and I did not want a new account. But I was unable to get through automated phone tree to talk to a human. They request account or SS # to talk and I have no account and SS # would not register. 

I set up fraud alerts on all my accounts through XX/XX/XXXX. And I froze my credit on all 3 credit bureaus on XX/XX/XXXX XX/XX/XXXX received an email saying I could pay my bill on line. Still not able to talk to a person to explain that no account was requested. 

On XX/XX/XXXX I received an credit alert for a minimum payment of {$28.00} on a statement amount of {$250.00}. I have never seen a credit card or used this fraud card. To my knowledge there are no SEARS stores in XXXX to even shop.

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 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I sent an email to Cash Central customer service on yesterday asking about the 2 payments I made, one on XX/XX/XXXX & the other on XX/XX/XXXX. I was inquiring why I was charged & paid 2 different finance fees on the same loan in less than 3 days apart. On XX/XX/XXXX, I paid {$190.00} which was the finance fee owed for the loan approved on XX/XX/XXXX. On the XXXX, I tried to pay more on top of the fees, but the system would not allow me to schedule any more payments on the XXXX. It accepted the XXXX & I paid {$400.00} more dollars. I checked my account expecting my remaining balance to be somewhere around {$390.00} or less. What it shows is I owe {$490.00}. This shows that only {$190.00} of it went towards the principal balance and {$200.00} went towards the finance fee based upon {$700.00} principal for the next 30 days. The {$400.00} should have ALL gone towards the principal balance because I just paid a finance fee on the XXXX. The {$700.00} should have been reduced to {$300.00} & at the CAB fee of {$28.00} for every {$100.00} plus 10 %, the remaining balance should be around {$390.00}. The same day I sent the email, I received a response to contact their office. I called today a little after XXXX & was put on hold for over 17 minutes as the CSR stated she was looking up my account. I heard the phone switch off of hold & it hung up. I waited for over 5 minutes & received no call back. I called back again & received a different CSR. We go back & forth about these payments while I am explaining to her my issue & asking about how the payments have been processed. She then tells me that she only sees the payment I made on the XXXX & does not see one made on the XXXX. I told her that I was looking at my account online & it states last payment {$400.00} on XX/XX/2021, plus it has been debited from my checking account. She still claims she does not see the payment on the XXXX. Then, she asks me to send a copy of my bank statement for the last 30 days & if payment is shown, I would get a refund. I do not want a refund. Again, the phone hangs up & I receive no call back. This company charged me twice, and I do not believe that is legal. And when I called to correct the matter, I was placed on hold for over 17 minutes & hung up on & then routed to a different CSR who also hung up on me when I refused to accept her response. I am either owed that {$200.00} back or it can be credited to the principal balance. This company is trying to get even more money out of me by having me pay the remaining balance they have listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Contacted our lender, Mr. Cooper, via their online messaging center to notify them that they had the incorrect parcel number for property taxes associated with out escrow account. They responded to say they would be in touch soon. We were never contacted and no further action was taken. 
XX/XX/XXXX : Mr. Cooper paid the wrong property taxes from our escrow account Early XXXX : My wife called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. They said they would research the matter. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : We were assessed a late fee on the late property tax bill. 
XX/XX/XXXX : Contacted the XXXX XXXX tax collector. They said only Mr. Cooper could cancel the mispayed tax payment. 
XX/XX/XXXX : I called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. Somebody named XXXX in XXXX Texas was going to follow up with the tax department. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : Contacted Mr. Cooper again regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. XXXX in Texas said she was submitting a request for payment to go out immediately and for a refund to our escrow account. To date the taxes remain unpaid and no refund has been received. 
XX/XX/XXXX : I began corresponding with the XX/XX/XXXX account on XXXX. I have been told they are researching the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied with Chase to refinance my home mortgage currently with XXXX XXXX XXXX. My current mortgage originated in XXXX and was a 30 year fixed rate of 4 %. My monthly payment of {$1400.00} is paid automatically. I also had a car loan with XXXXXX/XX/XXXXwhich for {$470.00} which was paid in full on XX/XX/XXXX. So with the lower interest rates I wanted to refinance to a 15 year fixed. I worked with XXXX XXXX XXXX a home lending advisor with Chase. XXXX was informed of our finanacial situation details. In order to proceed XXXX requested that I pay {$500.00} good faith payment in order for Chase to proceed. We were told the {$500.00} would be refunded if the refinance did not got through as long as we were not the ones who decide not to proceed. On XX/XX/XXXX Chase would not proceed with the refinance due to our debt to income ratio being too high at 52 % and Chase required 42 % or less. The problem is that we have never been reimbursed the {$500.00} good faith payment. I've emailed XXXX several time and he has asked me to wait 10 - 15 business days and then again an additional 10 business days. Lately I have not received any responses to my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I called this collection agency wanting to negotiate terms of my total amount. The amount I have owed ( according to the paper statements they sent me ) did not match what XXXX was telling me on the phone. I tried to get some information on where he was getting his amounts, dates of service, etc. XXXX insulted, said I didn't know how to read an account number. I emailed the office the statement I was clearly looking at and how it wasn't matching XXXX XXXX statements. He said that the email would have to go through another department, he couldn't explain a THIRD bill and date of service, nor could he explain the change of amounts, nor could he explain the {$400.00} difference in amounts. If a company can not be respectful to their customers, explain ACUTAL NUMBERS, and exchange information with their customers, but yet expect them to pay their bills, how is this legal? This company does not have to explain itself or what it is charging? Where does that power come from? What business owner is letting their male customer service reps, like XXXX talk to down to their female customers.

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 2021-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
Started loan little over5 years ago. Was supposed to drop baloon payment and adjustable rate XXXX had on mortgage. Turns out Specialized Loan Servicing new bank did not comply 3 months ago raised mortg. XXXX dollars double what bank needed to pay tax increase. They also were going up aproximately XXXX more in XXXX 2021. This would make payment to bank XXXX a month almost double in 3 month period. I heard adjustable rate mortgages were unlawful for loan modifications. we are looking at loosing property we have been paying on for 18 years now. We also have XXXX XXXX people living in home with a few pets. Not good thing be XXXX in VT due to crooked bank.

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 2021-01-08 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: MO

Complaint narrative:
I sent certified letter to validate a debt with XXXX XXXX on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with Experian on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???

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 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
THESE 4 COLLECTION ACCOUNTS WERE WITH ANOTHER COLLECTION COMPANIES AND THEY DELETED DUE TO HIPPA VIOLATION AND NOW IT'S SOLD TO XXXX XXXX XXXX XXXX Charge-off {$490.00} XXXX XXXX XXXX XXXX Charge-off {$120.00} XXXX XXXX XXXX XXXX Charge-off {$100.00} XXXX XXXX XXXX XXXX Charge-off {$590.00} Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TX

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2021-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX XXXX to Crown Asset Management , LLC. This balance is not correct, as I paid off everything I actually owed with check # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied to rent an apartment today XX/XX/21 and sadly I was not approved because my credit report came back with several accounts in bad standing. I looked through my report and many of those accounts are not mine. Theres accounts from many different companies that I am not associated with in any way ; I never allowed anyone to open any of those accounts on my behalf nor did I benefit anything ( money, goods, services ) as a result of those accounts being opened in my name. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved and clearing my name.

Company response to consumer: Closed with explanation