vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I XXXX XXXX XXXX have been contacted by Hunter Warfield, a company that I know nothing about, claiming to owe them a debt. 
I contend that I have no contractual obligation with them, nor do I have an account with the company. They are alleging that I owe them an amount that I don't recognize nor acknowledge. 

I have sent them a cease and desist letter and asked for original documentation verification of this debt. I am attaching a copy of this letter in my complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I received notification that this debt that was disputed and legally removed had been bought by another debt collector and wrongfully posted to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The auto loan officer said in Words, which were recorded on their end, that my loan would start on XX/XX/XXXX and not to worry about signing although it said XX/XX/XXXX because I'll put some notes in there saying to change the loan to XX/XX/XXXX and now they won't do anything about it. 

Principle of being lied to and having to spend money earlier than expected. From a large company. This type of action or lack of reaction from there organization only makes me plan to close all my accounts asap.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX {$720.00} to " XXXX '' XXXX shows several complaints about this merchant. 
I've never owned or purchase anything related to pools or hottubs. This is a fraudulent purchase. This was my " Chase XXXX  Visa '' and may have been compromised in the XXXX hack. 

Chases rebill department is unavailable to tell me why I'm being rebilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Fraudulently charging a maintenance fee every month after 6-7 months of account opening - signature advantage. I still meet the criteria as listed online - https : //www.suntrust.com/personal-banking/checking/suntrust-advantage-checking. Have Direct deposits of more than {$3000.00} per month and have a mortgage account linked to avoid the maintenance fee = {$20.00}. But without informing me they changed the agreement on backend saying that minimum balance needed to avoid maintenance fee = {$25000.00} Dates when reached out to SunTrust - XX/XX/XXXX, XXXX, XX/XX/XXXX - email exchanges. XX/XX/2019 - call to customer care. 

So, they promote some other criteria online to avoid maintenance fee and they change the criteria behind the scenes. Also, the maintenance online = {$20.00} vs what they are charging = {$25.00}

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 2019-03-23 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AR

Complaint narrative:
ONCE AGAIN XXXX  DELETED BK PUPLIC RCORDS WITH XXXX XXXX, CASE XXXX AND RE-INSERTED XX/XX/219 WITHOUT 5 DAY NOTICE TO CONSUMER. THIS IS A INVALID LISTINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/18 I Accidentally Missed One of my payments for the first time ever with my Department Card. After realizing the issue and not receiving a bill in the mail, I payed the bill immediately the same day I realized my accident. I have never missed a payment on any card and was refunded a late charge by kohl 's. They were able to refund me a late charge of {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested that my address be updated in XXXX, prior to my move in XX/XX/XXXX at the local XXXX 's store and was told that it was. It was brought to my attention that the store never changed my address when they reported my payment as late. I never received a bill and was unaware that I owed a balance. I promptly contacted XXXX 's on XX/XX/XXXX and paid the bill in full. They agreed to waive the late fees and gave me a phone number to call the credit department to remove any late payments on my credit. I called XXXX, which was supposed to be the " credit department '' and was told that is not the credit department. I waited on hold for a while and then they disconnected mt call. The late fees have not been removed and my credit has yet to be corrected!

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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have disputed this debt through the credit reporting agency-XXXX. I paid this account in full, and I returned the necessary equipment in working condition. I moved from this location, and was unable to fulfill contract, because this carrier was not able to provide service at new address. The dispute did not provide any results. Thank you for your valued time. 

Kindest Regards, XXXX XXXX XXXX XXXX. 

I C SYSTEMS XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$590.00} DateUpdated : XX/XX/XXXX Original Amount : {$590.00} Original Creditor : XXXX  XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection<

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked requested the following personal statement be placed in my credit report and related to all who request my report. THe statement meets the word and character requirements but the reporting agency will not place this on my report as requested. 

" My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse reports to the three credit reporting agencies. Each agency gave XXXX & XXXX, notice as an adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of XXXX & XXXX adverse information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I've contacted Ocwen Loan servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to XXXX along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I retrurned an item and the credit was refunded in the amount of XXXX. After the refund th bank didnt automatically send me a check, I had to call and ask them to refund my money. When I called ( XX/XX/2019 ), I was told that itll take 21 days to receive this money electronically transferred to my account. I find this excessive and the company basically has my money for no reason. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had an account with XXXX XXXX XXXX since XX/XX/2016, for unfortunate financial difficulties I was unable to make my payments. I sought professional help with XXXX XXXX XXXX ( XXXX ) to help me to settle the account, apparently by XXXX the account was paid. However, I been tracking my credit report and the statement said that is pass due by over 149 days. I will love to settle this issue, I am a United States XXXX that is in the process to apply for XXXX XXXX   XXXX  with the ultimate goals of entering the XXXX XXXX pipeline, I am a great charger, self-motivated individual, great XXXX, with a clean record in the military for ten years. I am trying to start over whit a fresh start in my career and personal life. To accomplish those goals, I need any negative remark removed from my credit. I do understand I totally my fault by I want to fix my mistakes. 

Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked requested the following personal statement be placed in my credit report and related to all who request my report. THe statement meets the word and character requirements but the reporting agency will not place this on my report as requested. 

" My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse reports to the three credit reporting agencies. Each agency gave XXXX & XXXX, notice as an adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of XXXX & XXXX adverse information. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, we paid off the balances on our credit cards. Our XXXX Chase card had a {$2000.00} balance that we paid in full. On XX/XX/19, we logged into our account to update our travel preferences since we would be traveling and did not want to be alerted for fraud. Upon logging into our dashboard, we saw that Chase had increased our credit limit to {$4000.00}. My husband and I will both attest to this, under oath, that we both saw the credit increase reflected on this account. 

On XX/XX/19, we logged back into the account to pay off the card again for the spending that we did while traveling. Upon logging in, we noticed that Chase decreased our limit back to the original amount of {$2000.00}. 

We called Chase on XX/XX/19, and was told we would need to speak to the fraud department, who transferred us again to the limit department, and was disconnected since their office was closed. We called Chase again on XX/XX/19, and was told that our credit limit was never increased. 

We have experienced multiple egregious errors with Chase before, from not canceling a stolen credit card despite it being reported stolen, and the card subsequently having charges on the account. We have also logged into our account to find that we are not able to gain access to any of our accounts due to the " information not being available ''. We have 2 car loans, 1 credit card and a checking/saving account with Chase. 

We want a full investigation into why our credit limit was increased and decreased within a span of 2 days. We do not believe Chase when they said that it was never increased. My husband and I are both willing to provide declarations of our testimony as to what we witnessed when we logged into our account and saw the credit limit increase on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Frequent and repeated calls, sometimes after XXXX XXXX and before XXXX XXXX, several times during weekend using fake numbers that appear local that when called back arent real numbers. Several times a day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
USBANK Home Mortgage PMI Disclosure letter states that my PMI will " automatically terminate when my Scheduled LTV reaches 78 %. I am at 76 %. I called and they say I have to have an appraisal that I must pay. HOW IS THAT AUTOMATIC? Automatic implies by definition that NO ACTION on my part would be required. No Letter, no phone calls, no appraisals, no fees, etc. 

This Annual PMI Disclosure was included on the back page of my mortgage statement. In their own words. It does not list any qualifiers. When I called to discuss this ... they gave the run around on the phone. That I need an appraiser to come to my home, inside my home, ( i would need to take time off of work to meet them ) and I would have to pay for this out of my own pocket. 

Again, this is not AUTOMATIC. They even site " The Homeowners Act of 1998 ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX AND COLONY BRANDS, XXXX, XXXX XXXXXXXX, GINNYS, XXXX XXXX ARE FALSLY REPORTING ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I have called XXXX XXXX Numerous times, Left Numerous voicemails requesting a security freeze be placed on my file, and for a copy of my consumer report. They refuse to call me back, They haven't placed a security freeze even though I am a victim of identity theft and refuse to even reach out to me. Please review the Identity theft affidavit below, and promptly send me a copy of my consumer report. Also please place a security freeze on my XXXX file as there is fraudulent accounts on my XXXX consumer file that I will need to have blocked, but I have not been able after numerous attempts to obtain a copy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got charged {$24.00} in my Chase business account for 2 monthly service fees. I was told ( after they were already charged ) that this was because I did not have the required minimum balance. Yet, I had enough money as indicated by my average daily balance in my Checking account. Therefore, I would like refunds for these two fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-23 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX  still contains fraudulent addresses and fraudulent information on my XXXX   file. XXXX  was notified well over a year ago that I was a victim of identity theft. My ID was stolen, my wallet was stolen and I am a victim someone has used my identity without my permission to fraudulently apply for checking and savings accounts. These inquiries XXXX  has listed are fraudulent. XXXX  won't send me an updated copy of report knowing this is fraudulent. They are damaging my XXXX score because of the fraudulent information being reported. They have fraudulent addresses from XXXX and XXXX on there as well as from XXXX which i have never lived at. I live in XXXX and have for the past two years. I am providing a copy of my identity theft report below. I am requesting that the Fraudulent Inquiries be blocked immediately per my consumer right as I have already filed these with the police department. I am providing you with an affidavit. Please update my XXXX file to block the numerous duplicate applications you are allowing on my file causing inquiries. These include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, - Which was already notified of the fraud and blocked it. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The fraudulent addresses are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. XXXX XXXX XXXX XXXX, tx XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. As well as XXXX XXXX Fraudulent inquiry. XXXX is fraudulent as well as 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 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: SC

Complaint narrative:
A company by the name of Receivable Management Group located in XXXX GA has placed a negative and possibly false derogatory mark on my credit report in the amount of {$150.00}. I have tried COUNTLESS times to get a hold of the company with zero response from them. I have no idea where this came from much less what its for. I have not received a letter in the mail, an email or even a phone call from this company attempting to let me know about this " debt '' I owe. At this point, i am stuck. I have filed a claim with the XXXX  as well in regards to this issue. 

The website they have has so many negative reviews i am not sure how they are a business. I will link the website to the agency below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly hope this is enough information with my case. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've contacted XXXX XXXX servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to Equifax along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.

Company response to consumer: Closed with non-monetary relief