vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
https : XXXX This link is to what Capital One says the benefits are for the Platinum XXXX XXXX. According to XXXX XXXX, Capital One Platinum XXXX XXXX HAVE NO BENEFITS. My wife and I booked a plane trip on this card in XXXX, XXXX. My wife fractured her leg and could not travel. I contacted Capital One to get a refund under the travel benefit. A representative in the XXXX said there " are no benefits ''. I asked to speak with a US supervisor and was told " there are benefits ''. The representative had a three way call with XXXX XXXX  XXXX XXXX SAID PLATINUM CARDS HAVE NO  BENEFITS. The representative said he would " refer the case to the executive office ''. I called the executive office twice and was told that the case has " not yet been assigned to anyone ''. It has been two months and I STILL CONTINUE TO GET EMAIL FROM CAPITAL ONE TELLING ME ABOUT THE BENEFITS EVEN THOUGH there are no benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.

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 2017-10-27 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
In XXXX of XXXX I ended my contract with XXXX after many years of poor customer service and not receiving paper bills after many, many requests. I sent them their final payment in XXXX XXXX. Last year, in the XXXX of XXXX, I notice on my credit report that Diversified Consultants has put a collection on my credit report for the final XXXX bill paid in XXXX. I notified my credit card company XXXX of the fraudulent collection and they removed it from my credit report. Today, XXXX/XXXX/XXXX, trustedIDpremier/XXXX is showing this collection on my credit report from Diversified Consultants again for this XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CA

Complaint narrative:
My claim started on XXXX XXXX, 2017 when someone used my Chase debit card at the ATM to take money from my checking account. I notified Chase and later the claim was approved. After I received my replacement debit card, it was used to make purchases. When I called to report the activity to Chase I was stunned to learn that Chase had not disabled the PIN number. They said if I wanted to change it I would have to take the card in to the nearest branch. Well the damage had already been done. Four more cash withdrawals. I believe Chase is guilty of not protecting me by leaving the PIN active. Now Chase is denying that claim. Im not sure why. The money was taken away without warning. i got up in the morning and i was {$690.00} overdrawn. Im pretty sure if I had not borrowed the money from my mother-in-law to put back in the bank i would have been charged overdrawn fees every day. 
Well my checking account wasnt the only victim.. My Chase/Slate credit card was also used without authorization. As well as my XXXX card, my XXXX card and, just yesterday my XXXX. XXXX seems to always be involved. This last time i had used my XXXX at XXXX that morning. A few hours later it was used by someone and again that night. 
I intend to keep writing to anyone who will listen. So far I have filed 2 claims with the Consumer Protection people. Next I am writing to the Attorney General. 

Last week I tried to shop with my debit card and kept being denied. I stopped in at the local bank and was told that you had closed my accounts. you had closed my Slate and Freedom the week before. That was fine. I had no credit left. But I need my checking account. I have medical procedures coming up which require a co-pay and my income is direct deposit. now I 'm getting letters from Chase saying they are denying myb claims because In gave authorization to the user. these are claims that were already resolved. Suddenly they think I let someone use the cards, max them out.. Why would I do that. If someone got access to my cards and used them without m, y knowledge or authorization, that 's still theft. Chase would sometimes deny 2 or 3 attempts to use the card and then let the next one go thru. did they think to call me and see ifv I was using the card? n did they think to request surveillance footage so I could see if it was someone I know. now they want to pile everything back on me to keep paying for things I did n't buy. Chase did n't help me. I have already claimed financial hardship with my other creditors. I 'm XXXX years old, living on social security and recovering from a XXXX. This is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was 2010 and according to law once a debt is paid and OC is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX University paid the FTC 100 million dollar lawsuit. But they are still trying to collect the money from me, buy sending me Notices and outsourcing to a third party debt collector. All private loans must be dropped, But XXXX XXXX XXXX is still trying to collect the money. But meanwhile they gave me a default clearance letter because they know they are in the wrong. If I owed debt, I would not be able to get a default clearance letter. 

Also, I received a check from the lawsuit for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have around 3-4 hard pulls on my exparian report. that should n't be there

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Genesis Lending
State: FL

Complaint narrative:
I have a XXXX XXXX XXXX. I only owe {$360.00} with {$6000.00} credit limit. I make the payment every month in XXXX XXXX in the Mall. Today I came in to make my payment. I was told my card was invalid and they could n't make the payment. They said the credit account was transferred to XXXX XXXX. I was transferred to them and they no idea who I was. I called XXXX back and they have no idea who has my card and who I make the payment to. I am almost sure this is illegal and I am trapped on who to make the payment to and it is due in 5 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Collector contacted by place of work. I am unable to receive personal calls at work and was in the middle of a meeting with my boss when the second call was answered. I did get reprimanded for the second call being that it was personal and my boss was present when it was answered. The person on the phone stated that he called this number because I didnt answer my personal cell phone number. He was never given permission to call my office phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Great American Finance Co
State: IL

Complaint narrative:
my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. 

the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. 

Their actions are not justified, and a wage assignment should be a last effort to have it initiated. 

My account was not even 30 days late and was satisfied. This a predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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:
My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
We filed for bankruptcy in XX/XX/XXXX and at that time, our mortgage was being serviced by XXXX XXXX. Any past due amount owed to XXXX was paid as part of our Chapter XXXX plan and our account was brought up to date. Then in approximately XX/XX/XXXX, Greentree acquired our mortgage, which then eventually changed names to Ditech. It was during this transition that a missed payment must have occurred or was paid later than normal, which caused our account to become past due. It was also during this time period when there was some confusion as to what our monthly payment should 've been. We received an Escrow Evaluation for our mortgage in XX/XX/XXXX, which showed our new estimated monthly payment to be {$1800.00}, when in actuality, it remained at {$1900.00}. So for many months, I was under-paying our mortgage, not realizing the amount on the Escrow Evaluation did not reflect what was actually due on our account each month. It is still unclear to me as to why our payment remained at {$1900.00}, when the evaluation clearly stated {$1800.00}. Also, because of our bankruptcy, monthly statements from Ditech only showed payments made and not what was due or any past due amounts. It was not until just prior to our discharge, we learned of our delinquency. If this was brought to our attention much sooner or at least shown on monthly statements, we couldve had the opportunity to bring our account up to date. 

We want to remain in our home and have tried to work with Ditech. We have continued to make our monthly payments on time but are still behind about 90 days. We requested a loan modification the first part of XX/XX/XXXX and filed all the necessary paperwork by XX/XX/XXXX. They have done absolutely nothing with our account and just keep giving us the run-around by requesting more information that is clearly laid out in our application, paystubs and statements we already provided them. We have still not received a single letter or notification that they are processing our loan modification request. Every time we make a call to Ditech, which is several times a week, they just say that underwriting has not reviewed it yet and will need more time. I think 3 months is plenty of time to make a decision regarding our modification request. We can never get passed the customer service rep that answers the phone, which is a different person each time, so we feel like we have hit a brick wall with Ditech. No one seems to care that it 's been 3 months since we first filed our application. We just want to work out a payment plan with them to bring our account up to date. But they do n't seem to want to help out the consumer at all. We do n't know what else to do. HELP!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Falsely reporting to my credit report {$10000.00} as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report {$14000.00} as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {$26000.00} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

XXXX XXXX XXXX - Falsely Reporting to my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX XXXX reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.

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 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was sent a bill from XXXX approximately XXXX. I explained to XXXX I never had an acct with them. XXXX sold the acct to midland funding. In XXXX midland funding filed a suit against me in XXXX county nj. I won the case and case was dismissed. since XXXX I have contacted midland 4 times about removing this from my credit. I have been lied to given the run around and the company has shown no concern with this. this is still on my credit causing my score to be lower. I had no knowledge of CFPB until today. Anything that can be done would be appreciated. Thanks midland funding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a very difficult time with CHASE. I have applied for a modification 2 times and have been denied. The process with CHASE has been very confusing and dysfunctional. I always had to speak to different representatives, and never got the same answer. Now after 6 months of trying to save my home with a modification we have been given a sale date of XXXX/XXXX/XXXX. I feel like CHASE has a slow system and now has slipped in a sale date at the last minute.

Company response to consumer: Closed with explanation