vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: CO

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX sent a fraudulent check for {$1700.00} to Chase Bank. I called Chase agent on XX/XX/18 at about XXXX and told them there may be something coming thur. The agent ask me what is check number. There is no check. She said we can not stop any funds unless we have a check number. She than said watch you account and if you see anything come thur, call Chase and then you can stop the funds because it will be pending. I said ok. On XX/XX/18 at XXXX XXXX I looked at my Chase checking account, it as debited {$1700.00} plus a {$34.00} insufficient funds. My checking account had about {$750.00}. But Chase paid out a {$1700.00} fraudulent check and then said I ow {$1000.00}. Plus {$34.00} over draft. I called Chase up, that morning and ask them to stop that the {$1700.00} check because it was fraudulent. Chase told me the checked cleared and they can not stop it now. I told the chase agent why did you clear that check because I told them the day before it was fraudulent. Why did you not call me up and ask me if they should pay it out since I did not have enough funds in my account. Chase said it up to us to pay it out. I cant believe it. I restricted my account because Chase would not close this account because there is a $ XXXX. balance. Chase paid a fraudulent check. 
The check was made up by XXXX XXXX and said client does not have to sign the check. That should have raise flags. Chase action is also fraudulent. 
Im XXXX, XXXX XXXX XXXX And a Vet. 
Please help me Im attaching a copy of the check. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. 

I ask that XXXX XXXX XXXX release this debt and clear my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is 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 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
Western union is has been collecting money transfers but not making the funds available for pick up. They keep the money for weeks and then refund it back to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech did not address my complaint.

- Ditech did not accommodate the mandatory hurricane relief for victims of Hurricane Irma, even upon my phone request.

Complaint ID XXXX - Ditech made an unprecedented payment on my behalf, without my authorization or request, to an insurance company and has not refunded the payment and is charging interest on the payment account.

- Ditech sent loan modification documentation offering 3 options to which I was supposed to apply if interested. On 3 occasions I called and stated I was not interested, and had even expressed I did not want the modification prior to them sending me the information, and they enrolled me in the new program anyway, and have not settled the extra expenses I incurred due to their negligence.

- Ditech did not apply the payments I made to my account, and instead has held funds while allowing interest and fees to accumulate on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: North American Asset Services, LLC
State: WV

Complaint narrative:
XXXX XXXX XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I received notification from my credit monitoring service that my score went down 50 points because this debt collection agency report inaccurate information for a debt I have already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone. 

My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}. 

I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed. 

I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.

I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This account is over eight years old I have tried to make arrangements and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: FL

Complaint narrative:
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is 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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've been noticing that my bank Wells Fargo changes transactions dates and hold payments in order to charge overdraft fees. This is a pattern that is costing me hundreds of dollars monthly. I do not recall giving them permission to provide me with overdraft protection and when I try to revoke any permission in my online banking account site it only allows me to give them permission to provide me with overdraft protection. This is not the first time that I encounter this situation with this 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 monetary relief