vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2017 a balance of {$400.00} from XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of the consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2018-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. 

I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. 

XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution.

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 monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana

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 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is about the XXXX XXXX American Express Card, which is XXXX XXXX  XXXX XXXX. I opened this card in XXXX, but closed it on XX/XX/XXXX for reasons unrelated to this complaint. At that time, I made a full payment of the payoff amount ( {$1400.00} ), as communicated to me by the customer service agent. When I login to the management website, the account is confirmed to be closed. 

However, the card has continued to accrue interest and XXXX continues to send me mail related to payments scheduled against this account. I have previously called them about this, and have been told to disregard the notices and that my account is closed. Yet, on XX/XX/XXXX, XXXX withdrew {$9.00} from associated checking account with the memo " Auto Pymt ''. XXXX has not closed my account and is withdrawing funds from my account to payments against an account I have already paid off completely.

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 2018-02-19 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: Siggi LLC
State: CA

Complaint narrative:
This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XX/XX/XXXX, my credit card was charged for {$1900.00}, and on XX/XX/XXXX, my card was charged for XXXX by XXXX XXXX XXXX. I immediately notified Chase Credit Card services and told them these are unauthorized charges and I have never even step foot to XXXX XXXX, XXXX. Chase immediately gave me temporary credit for the XXXX unauthorized transactions and told me they would open up an investigation and look into the matter. At the beginning of XXXX of XXXX, I received a call from a Chase representative with their fraud department, telling me the issue has been resolved because merchant has been reluctant to cooperate and has only send in information that is not sufficient enough to justify the unauthorized charge. After she asked me a few more questions, I was told that I will also receive a copy of the result of the investigation in mail ( which I never did ) and everything is settled. In addition, I was given a new card with a new account number since the old card was found to be compromised. 
Fast forward XXXX months, the XXXX unauthorized charges are back on my account as of XX/XX/XXXX. All of sudden Chase is claiming that I've authorized the transactions and the merchant was able to provide documents showing that my chip card was used. This whole time I hold possession of my card and has not given any card information nor given access to anyone else to use the card so I know for sure I did not use the card, especially at a car merchant ( I don't even own a car to begin with ). I called chase on XX/XX/XXXX, XXXX, XXXX, and XXXX to request more information, not including dates when I called their Fraud department to leave voicemails for the specialists handling this case, also no including the couple times I've gotten their callback after leaving voicemail. I requested Chase to provide the documentations to me XXXX times and was told they will be able to send the documentations, I have received nothing in email or mail. I've filed a BBB complaint against the merchant and the merchant confirms that I am not a client with them and they have no records of me doing business with them. After I uploaded more information for them to look into the matter, they failed to respond to me. I've also contacted the merchant ( call and email ) who has refused to give me any details on these transactions and has demanded that I stop contacting them and sort it out with my credit card company instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a letter to collect debt. I do not owe any. And the letter provides no info on what debt i owe. It looks like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2017 a balance of {$400.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I tried to close my account over the phone, this was back in XX/XX/XXXX, when i spoke with the representitive on the phone they told me i had to zero my account. When i zero 'd my account they assured me that the account was closed. Well two weeks after my account was suppose to be closed. They still tried to process checks and transfer money from the account with a zero balance. With that, it drew a on a zero balance causing my account to overdraft. They were suppose close the account, and send me information but never did. This isnt the only issue ive had with these guys, back in XX/XX/XXXX of the same year, i was traveling. They put the account on a temp hold due fraud protection. Well they fixed it, then the very next charge they blocked it again. I called to fix it but this time i found out the " Accidently '' canceled the card instead of fixing it to where i could use it again. they left me stranded in another state where i didnt live with no access to my money.

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 monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?

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 2018-02-19 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: FL

Complaint narrative:
I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

Company response to consumer: Closed with explanation