vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I made a debit card transaction at XXXX 'XXXX  with my chase business debit card. I realized that it would cause my account to be overrated so I went to my wifes bank and withdrew {$100.00} cash. I then went to my local chase atm to deposit it. The cut off time in my city, XXXX XXXX, is XXXX and it was close to 8. I made the deposit and the atm sit back one of the {$20.00} Bill 's. Then after I reinserted it, chose my receipt option the atm saidfinalizing deposit for at least 30 seconds, then spit out my receipt which showed a positive balance of {$19.00}. Today, XX/XX/XXXX at XXXX I checked my account on the app. I saw 3 overdraft charges of {$34.00} each, and my cash deposit showing as pending. Looking closer the albertsons charge was charged an overdraft fee as well as a auto payment transaction of {$7.00} ( which they charged an overdraft fee on and another auto payment of {$23.00} ( which also incurred an overdraft fee ) so.i.called the business account service number and spoke to a representative who said my deposit was at XXXX and that deposits have to be before XXXX. I tried to argue that there was a delay in the atm finalizing and that they have always said previously 'by 8 ' which in my opinion XXXX is 'by 8 ' Unfortunately the rep talked over me and seemed to have a language barrier in u uderstanding whati was saying. I asked for her to waive the fees and she refused. I asked why the 2 charges that were posted after XXXX were not subject to the XXXX cutoff and was told the merchant finalized so the funds were removed ... which really dudnt answer my question. After that call I called and asked for a supervisor. He was of little help. He stood by the 'before 8 ' cut off, didnt care that the atm had paused significantl, said that my cash deposit, that was still showing as pending over 24 hours after it was made, was made after the cutoff so it was a Saturday transaction and Saturday is a non business day.. yet usingthat logic the 2 transaction that were not posted to my account at XXXX when my deposit was made had posted an funded eventhough they should be considered Saturday transactions also in my opinion. He kept saying they were transactions from XX/XX/XXXX ... but the fact remains they were not posted until mb after the cutoff and that the first fee caused both of those transactions to incur overdraft fees ... so my argument is that it is bit right to use the cutoff to charge me a fee then that fee causes 2 transactions that weren't posted by the cutoff to both incur fees. The supervisor was rude and did finally credit {$68.00} of the {$100.00} back to my account ... but I really feel that the full amount should have been credited. My receipt for the deposit shows a positive balance and they say that deposit was made after the cutoff so.it makes no sense to me how his all transpired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07 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: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2019-07-07 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: CNG HOLDINGS INC
State: OH

Complaint narrative:
Contacted XXXX  XXXX concerning said debt. 
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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:
i was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action 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 non-monetary relief
Consumer complaint received 2019-07-07 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: CNG HOLDINGS INC
State: OH

Complaint narrative:
Contacted XXXX XXXX concerning said debt. 
XXXX XXXX  attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: NY

Complaint narrative:
i was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action 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 2019-07-07 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: GA

Complaint narrative:
Since XX/XX/2018, I have been disputing the fraudulent accounts on my credit report with Equifax. The other two bureaus, XXXX and XXXX, corrected the errors and deleted all the fraudulent accounts, many of which were likely opened while I was incarcerated. Although I provided copies of the respective City of XXXX police report and Federal Trade Commission reports, Equifax has still failed to delete these items off my report! I sent them proof of everything. I even had sent in documents to show proof of my address, and they locked me out of viewing my own credit file! When I called to check the status of the dispute, I answered the verification questions with the knowledge of what was being reported on my credit file, and they informed me that I didn't pass verification! 

I was repeatedly asked to send in proof of ID and address, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, although I had already provided such information and it was on file. They also continued to add new fraud alerts each time I disputed the fraudulent accounts, although I did not ask for nor need a fraud alert because I am applying for a mortgage. Yet although fraud alerts were added, ironically, the fraudulent information and accounts were not deleted. It is very likely that my credit file was compromised by Equifax themselves, although I may never know. 

Almost everyone I have spoken with at Equifax has been very rude to me, not understanding my requests. Many of them have a XXXX XXXX accent, and once I faxed in a request for them to NOT add a fraud alert on my file, and they added one anyway, and alerted the other two bureaus to add one. I have had to continually submit documents month after month, attempting to lift the fraud alerts. This is keeping me from working on rebuilding my credit, which was compromised to begin with. 

I am beyond frustrated. I ask that you compel Equifax to immediately delete the fraudulent accounts from my credit file. I have all necessary documentation. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr.Cooper has mismanaged {$3600.00} that was paid to an insurance company due to Mr.Cooper inept employees.I told them not to pay any one until I gave them the ok to do so.My husband ( he has permission to speak to them on my behalf ) explained to them on XX/XX/2019 that we were thinking on changing homeowners insurance.The rep.advice him not to worry that no one was getting paid until they had our consent. 
Mr.Cooper err when they paid XXXX XXXX XXXX {$3600.00} without our consent.XXXX XXXX XXXX is currently been investigate by the Fla.Dept.of insurance for insurance fraud. They never had any authorization too billed Mr.Cooper for a policy. 
In my previous complaint to your office, I have stated that the money in question has not been credited to our escrow account.No one from Mr Cooper has reached out to us to explain why the {$3600.00} is still missing from the escrow account. 
The hearth group returned the original check to them on XX/XX/20019.See attached docs. 
I am tired of calling Mr.Cooper to get an answer concerning my missing escrow.ITS ALARMING that they Do not respond to my issue.Instead they are lying to your dept.and are twisting information to their benefit. 
I want this matter to be resolved once and from all.The {$3600.00} belongs to me and it should be credited into the escrow account. 
Finally the person from Mr.Cooper that responded to you, doesnt returned numerous phone calls to her.Why? I wish I knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation
State: OH

Complaint narrative:
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BTH Management
State: OH

Complaint narrative:
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

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 2019-07-07 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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I have called and emailed letters to Mercedes Benz Financial Services in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

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 2019-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System. ( XXXX ) trying to collect a debt I have never owed. I have never owned a XXXX account for the amount od {$380.00}. I have attempt to resolve this issue several time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Debt was owed but taken care of and dropped off of my credit report. 2 months later it reappears by XXXX XXXX XXXX. Tried to contact but no answer. Has terrible reviews of malpractice and fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Company requesting money for an account I never had.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi Bank Reduced my credit limit from XXXX to XXXX. This affected my credit score by about 25 points by increasing my utilization ratio to 94 %. I called Citi bank to restore the credit limit or my credit score on XX/XX/2019. The customer service supervisor said this is a revolving account and Citi has the right to increase or decrease the credit limit based or consumer behavior and risk factors. I questioned her to tell me what are the risk factors and reasons and she provided no explanation but constantly referred to only one incident where the Autopay balance was less than the minimum due. She stated in partial explanation that : The reason was that I was at risk due to high risk activity from other reporting agencies. I have maintained 100 % payment history by setting up Autopay. However in XX/XX/2019. My autopay could not cover the total amount due. Citi bank customer service called me about the issue. I paid instantly over the phone and immediately adjusted my autopay balance to {$150.00} per month even though my monthly payment was arround {$60.00}. I did this increase to avoid having autopay being less than the minimum due. 
Citi even went ahead and refunded all late fees without my request. It is therefore absurd for them to reduce my balance to un reasonable limit and hurt my FICO score. 

I am therefore humbly appealing to the bureau to look into this practice from Citi bank. As other complaints from online and card users risk credit scores fluctuations and hurting consumers at the time when they need thier scores for credit worthiness. In sum the reasons city gave was not dependent on my credit history with them. I am therefore requesting to know where city got the information to reduce my credit limit. And who are the 3rd parties? Provide sufficient explanation with facts why my balance was reduced. 

The balance reductions is NOT my prime concern. Citi has caused me financial suffering by increasing my utilization ratio and decreasing my credit score. I would like them to restore this ASAP.

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 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This a credit card debt for XXXX XXXX. I have provided police reports explaining I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This a credit card debt for Capital One. I have provided police reports explaining I was a victim of identity theft.

Company response to consumer: Closed with explanation