vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
To whom it may concern, Back In XX/XX/XXXX on My XXXX   XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.

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 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have disputed this item not being my debt in which the credit bureau had removed. Now i am seeing it back on my credit report. Please assist me on removing this item off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, my name is XXXX XXXX and I am a consumer whos rights has been violated. I hope to solve this issue that JP Morgan Chase has caused. This company has committed multiple violations under the Free Credit Reporting Act. 

I want to mention a couple : - Reporting incomplete information - Reporting false information - Failing to investigate account - Failing to mark account as disputed - Negligence - Unfair business practices The account information : Chase account # XXXX XXXX XXXX XXXX, opened XX/XX/2006. 

Please send to Chase the attached documents. 

Thank you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
To whom it may concern, Back In XX/XX/XXXX on My XXXX  XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A year or two ago I took out a small loan to rehab my credit. I paid it off early and credit score went down because I paid the loan off early. The credit bureau that I called said it was because paying the loan off indicated that I'm a risk because I no longer show that I make payments on time. So I got another loan to rehab my credit. All payments were made on time and I let the loan run its course so I wouldn't have the previous problem. My credit score got hit by 9 points because the loan was considered " closed " after it was paid off. So essentially I got penalized for paying a loan off early then got penalized on paying down a loan to term.

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 2020-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX.Debt Company XXXX XXXX ( XXXX ) XXXX court docket # XXXX XXXX XXXX District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I submitted a tax increase form due to renovation done to the home in XXXX, My Loan Care agreed to pay this on our behalf, but it been it XXXX and still hasn't been paid. No one called me backs when they say they will. Dates they promises this would be resolved have come and gone

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 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit continues to harrassment me for a debt that is not mine. They have also reported this debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank of XXXX cashed my two checks without my permission. They stamped my name on the back of the check. Then closed my bank account. I had no negative account. I look on my online banking app. I was left with XXXX in my account. I showed my mother. That was before my bank closed. They send me a mailed copy of the checks and a bank statement charging XXXX dollars for something I didn't cash. I have documents as proof. They didn't send me my whole {$71.00} left in the bank. They only gave me {$40.00}. I took a picture of the original XXXX dollar check. I have proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Reporting to credit report after court order to dismiss with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CALLING INTO RUDE UNPROFESSIONAL CITI BANK ONCE AGAIN I HAVE TO DEAL WITH SOME INCOMPETENT PHONE PERSON. I CALLED IN TO SEE AB OUT WHY I WAS CHARGED A XXXX DOLLAR FEE FOR A XXXX DOLLAR MONTH. I TALKED TO XXXX WHO ARGUED WITH ME ON THE PHONE ON XX/XX/2020 @ XXXX XXXX XXXX BEGAN TO RANT AT ME TELLING ME THAT I SHOULDN'T HAVE LET MY ACCOUNT GET TO XXXX AND I NEED TO KEEP MONEY IN MY ACCOUNT DICTATING TO ME WHAT I SHOULD AND SHOULD NOT DO IN MY ACCOUNT. THEN TAKING THINGS FURTHER TO SIT HERE AND OVER TALK ME AS IF I WAS A CHILD. THEN WHEN ASKING TO SPEAK TO HIS SUPERVISOR HE WANTED TO SIT THERE AND LAUGH AND BE ARGUMENTATIVE EVEN FURTHER AND KEEP INSULTING ME TELLING ME THAT I SHOULD HAVE KEPT MONEY IN MY ACCOUNT AND TO FURTHER INSULT ME HE REFUSED TO TRANSFER ME TO A SUPERVISOR AND THEN CONTINUED TRYING TO OVER TALK ME AND LAUGH AND TELL ME I SHOULD HAVE KEPT MONEY IN MY ACCOUNT. JUST XXXX   CONTINUED SERVICE FROM CITI BANK. AT THIS POINT I WILL BE FILING A SMALL CLAIMS AGAINST THE COMPANY AND SENDING THEM PROPER NOTICE AS OF TODAY. I AM SICK AND TIRED OF THESE XXXX BAD ENGLISH SPEAKING FOREIGN LOW UNPROFESSIONAL PEOPLE ON THE PHONE THEN THIS XXXX WANTS TO SIT HERE AND JUST HAVE A ARGUMENT LIKE WE'RE TWO PEOPLE ON THE STREETS IM SICK OF CITI BANK 'S HORRIBLE CUSTOMER SERVICE. I WILL NOT TOLERATE THIS ANY FURTHER.

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 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: MN

Complaint narrative:
We are filing complaint against Credit Service International, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and XXXX  XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, MN XXXX. 
( 1 ) Furniture was fully paid in the amount of {$2400.00} on XX/XX/19 promising that every item we bought was in stock and will be delivered together on XX/XX/19 ( 2 ) Delivery not made as promised ( 3 ) Delivery made piecemeal ( 4 ) Delivery contained damaged items ( 5 ) We were made to call customer service who were as rude as XXXX ( 6 ) Unilaterally cancelled paid extended warranty with false and baseless reasoning knowing that furniture is for home in XXXX, XXXX   and stating that as customer is moving to XXXX  even though it is nationwide coverage ( see attached copies ) ( 7 ) Why did they cancel extended coverage that we had paid for? 
( 8 ) Why did they lie? 
( 9 ) Charge for extended warranty {$340.00} had to be disputed because of unilateral cancellation by XXXX XXXX ( 10 ) XXXX XXXX had audacity to cancel warranty unilaterally but did not have honesty and integrity to give us refund. 
( 11 ) They finally refunded the amount to Credit Card Company and Credit Card Company issued us credit for {$340.00} on XX/XX/19 ( 12 ) With our persistence replaced sofa and chaise but still delivered damaged merchandise ( 13 ) My mom had to extend her stay in XXXX incurring additional expenses ( 14 ) Issue of damaged sofa and Chaise has been going on since first delivery on XX/XX/19 ( 15 ) Damaged Sofa-Chaise had to be replaced multiple times and still they could not deliver undamaged merchandise ( 16 ) We were forced to deal with most unfriendly customer service ( 17 ) We were forced to dispute charges ( 18 ) XXXX XXXX had our money and they did not have to resolve dispute. 
( 19 ) XXXX called demanding payment ( when he already had {$790.00} ) saying he has resolved dispute and began threatening and harassing on phone including entering my home and taking every piece of paid furniture. 
( 20 ) XXXX and XXXX XXXX resolved the dispute by giving unconditional credit. There was no quid pro quo. 
( 21 ) As per the letter dated XX/XX/19 submitted by you from XXXX, XXXX, the disputed amount of {$790.00} was debited. 
( 22 ) If they were going to exchange the furniture why did they resolve the dispute with credit card company? They had the money since XX/XX/19 ( 23 ) If they wanted money, why resolve the dispute and then turn around demanding money and threatening to enter my home take every piece of furniture even though it was paid for ( 24 ) The letter dated XX/XX/19 that you have enclosed contains false statements ( 25 ) Turn us over to collection agency even though credit was issued ( 26 ) They can not be allowed to keep doing whatever and however they please.

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 2020-03-13 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: ZWICKER & ASSOCIATES
State: KY

Complaint narrative:
Reporting to credit report after court order to dismiss with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Glennon Law Firm, LLC
State: KY

Complaint narrative:
Reporting to credit report after court order to dismiss with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: AL

Complaint narrative:
In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the Transunion and XXXX  credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the XXXX and Transunion were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???

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 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE :  FORMAL COMPLAINT AGAINST XXXX XXXX / XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX CONTRACT NO. XXXX XXXX XXXX IS CHARGING ME FOR A STOP PAYMENT CHECK FEE OF {$15.00} AND WILL NOT ALLOW ME TO PAY ON LINE ANYMORE. 
BY MISTAKE I MADE A DOUBLE PAYMENT TO XXXX. ON XX/XX/2020 FOR {$220.00} AND ON XX/XX/2020 FOR {$220.00}. AT THE BEGINING I THOUGHT THE COMANY HAD OVERCHARGE ME BUT IT WAS MY MISTAKE, I MADE A DOUBLE PAYMENT THAT WAS REPORTED ON XX/XX/2020 TO XXXX  XXXX. THE INSURANCE AGENT CONTACTED XXXX WHO PROMISED TO CUT A CHECK THE NEXT DAY FOR THE REFUND. ON XX/XX/2020 XXXX   XXXX  INFORMED ME, THAT XXXX REFUSED TO CUT THE CHECK INMEDIATELY AND IT WOULD TAKE A LONG TIME FOR ME TO GET THE REFUND. XXXX  XXXX. ALSO SEND ME XXXX 'S EMAIL IN WHICH THEY STATED THAT IF I PUT A STOP PAYMENT I WOULD NOT BE ALLOWED TO MAKE PAYMENTS ON LINE, THERE WAS NO MENTION IN THE EMAIL THAT THEY WOULD CHARGE ME {$15.00}. MY RESPONSE WAS THAT I COULD NOT WAIT AND THAT I WOULD CONTACT MY BANK SO THAT THEY COULD REIMBURSE ME INMEDIATELY AND THAT THIS WAS AN INTERNAL TRANSACTION FROM XXXX XXXX XXXX  AND NOT A STOP PAYMENT. XXXX XXXX XXXX  RETURNED THE 2ND DOUBLE PAYMENT MADE ON XX/XX/2020 FOR {$220.00}. 
MY REGULAR XXXX INVOICE FOR THE MONTH OF XX/XX/2020 CAME FOR THE AMOUNT OF {$240.00} WITH A SPECIAL COUPON THAT NEEDED TO BE INCLUDED WITH THE PAYMENT TITLED " RETURNED CHECK CHARGE {$15.00} '' XXXX XXXX XXXX  CONFIRMED ON XX/XX/2020 THAT THERE WAS NO STOP PAYMENT INVOLVED IT WAS AN INTERNAL TRANSACTION DUE TO A DOUBLE PAYMENT FOR THIS COMPANY, AND THAT XXXX WAS NOT CHARGED BY XXXX XXXX FOR THIS TRANSACTION. 
I MADE A PAYMENT OF {$240.00} ON XX/XX/2020 WITH CHECK NO. XXXX TO XXXX BECAUSE I SAW THEY WERE CHARGING THIS TO ME ON LINE, THE NEXT DAY I RECEIVED THE BILL AND RETURNED CHECK CHARGE. 

I AM REQUESTING FOR XXXX XXXX XXXX TO REIMBURSE ME FOR THE {$15.00} INMEDIATELY. I SHOULD NOT BE PENALIZED WHEN THIS COMPANY RECEIVED A DOUBLE PAYMENT FROM ME AND THEY REFUSED TO REIMBURSE ME INMEDIATELY AS I HAD REQUESTED ON XX/XX/2020. IN ADDITION I HOPE TO BE ALLOWED TO PAY ON LINE IN THE FUTURE. 
SINCERELY, 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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
After my mortgage was bought by Amerihome Mortgage Company, I made a payment on their site for XX/XX/XXXX and it went through fine. I then set up an auto-draft to withdraw the mortgage payment. The money was deducted from my bank account on XX/XX/XXXX and initally attributed to my mortgage. Then, on XX/XX/XXXX, the mortgage company rejected the payment, claiming an issue with the prior servicer. That money was never returned to my account or sent back to me. I've called multiple times and been given different information each time. No one at the company can explain why the payment was rejected or where the money is. I was told by a representative on XX/XX/XXXX that a check had been mailed to me with a letter dated XX/XX/XXXX. When I called back on XX/XX/XXXX after not receiving the check, I told told by someone else that no check had never been mailed. I have provided my bank statement to them showing the money was withdrawn by Amerihome from my account and never credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 pulled my annual credit report and noticed errors reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX  original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-13 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: AL

Complaint narrative:
In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the XXXX   and Equifax credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the Equifax and XXXX  were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???

Company response to consumer: Closed with explanation