vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced my FHA mortgage and the previous mortgage company charged me additional fees after refinance went through. They also have not released the escrow money that should be refunded to me. I spoke with a rep with their company today XX/XX/19 and all they can tell me is they do not know and it might be a coding error.

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 2019-04-18 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: Client Services, Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX account in collections. I was told by the debt collector that if I paid the outstanding balance that the negative information and late payment history would be removed once paid. I paid the agreed settled amount of {$93.00} to Client Services who collects for XXXX XXXX as their in-house collections, that the debt and history would be removed within one business day. I have checked my credit report and still see that there reporting an open collection with XXXX XXXX and a history of late payments. I feel this is Deceptive Trade Practice to tell a consumer if you pay, we delete. The account remains unchanged from my credit report by XXXX XXXX. Account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: FL

Complaint narrative:
THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.

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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/XXXX I deposited {$45.00} to Bank Of The West at : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I opened Checking and Savings. 

The next day I was hospitalized and unable to accomplish moving automatic deposits and other items that would otherwise be directed to this account. I remained hospitalized on more than one occasion and spoke with B of W personnel - explaining that I would be unable to attend to the matters - that I was XXXX and could not drive for a time. I requested the account be " FROZEN '' and that no further activity be allowed until such time as I could resolve this issue. 

B of W personnel assured me there would be no issue freezing the account - there was no activity and although a debit card was issued to the WRONG address - it was never activated and there was absolutely NO activity on the account whatsoever. At that time I requested the Account to be closed. Customer Service told me I would have to come in ( in Person ) to do this. I explained I was XXXX and not driving - and they persisted that this would have to be done IN PERSON. 

On XX/XX/XXXX I was issued a letter stating that my accounts were OVERDRAWN and that if I didn't bring them up to a current standard and pay the OVERDRAFT FEES that they would be starting Collections Actions and making a poor credit report about my banking activity / inactivity. 

On this day XX/XX/XXXX I spoke to the Bank 's Customer Service and they stated essentially the same thing - that despite the fact that I deposited {$45.00} and froze the account that they had SERVICE CHARGED ME to a ( - {$20.00} ) and that I would have to PAY TO CLOSE THE ACCOUNT FOR GOOD!!! 

This can't be good banking - and can not be legal. They did NOTHING for me but service charge me - not one single transaction - NOTHING!

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.

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 2019-04-18 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: FL

Complaint narrative:
THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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:
XXXX XXXX XXXX inaccurately is reporting under my name, on erquifax credit reporting agency, i have been disputing for the longest time and they have not been able to help me out. i have attached my police report, please have them removed this inaccurate account from my credit file thank yoiu for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit Service Inc
State: WI

Complaint narrative:
This is a medical debt that should have been paid by Medicare/Medicaid I thought. Was getting billed thought they were just waiting for the claim to come through to them. Contacted them and they said I had to provide documentation from the government that I was on assistance at that time. I was, but there might have been a confusion at the time because I was dealing with the State of Wisconsin at the time. So I don't think I owe this and should have been paid by Medicare/Medicaid. Along with this I am now on Social Security XXXX and I am on a very limited income, so I honestly can not afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: FL

Complaint narrative:
THE ACCOUNTS DIPSUTED DOES NOT BELONG TO ME. PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT.

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 2019-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I didn't know about deferred interest on account I paid the interest they charged on account I could understand accrued interest for XX/XX/XXXX until XX/XX/XXXX of XXXX but not accrued interest XX/XX/XXXX til XX/XX/XXXX and deferred interest of XXXX and XXXX this sounds made up. It's funny that overpayment is exact amount of overpayment no more no less. They should have given me a chance to pay deferred interest during life of loan. I paid all late fees when I had to at times before this last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Hello, Consumer Protection Agency I am having trouble getting these accts closed from my Credit report, I no longer have these Credit Cards and I no longer have any dealings with this lender for these cards : I did use them in the past and I paid them off without any problem and I just want them deleted from my Credit Report, every year I have checked my Credit report and they are still showing on there. I know after 7 years all account accurate or not should be deleted. I called this company ( XXXX XXXX ) and asked them why are they still putting these accts bank on my Credit report and then they told me to contact the Credit report Agency in which I did. Every time I am getting the run around, going back and forth about who should take these old Credit cards off of my Report. These are the Accounts : # XXXX ( 1 ).  XXXX opened XX/XX/XXXX closed XX/XX/XXXX paid off Reported again on my credit report in XX/XX/XXXX and XX/XX/XXXX ( 2 ). Acct- XXXX XXXX XXXX XXXX opened XX/XX/XXXX- closed XX/XX/XXXX( reported again ) ( XX/XX/XXXX- XX/XX/XXXX( 3 ). XXXX  -Acct XXXX opened-XX/XX/XXXX closed Reported XX/XX/XXXX-XX/XX/XXXX ( 4 ). XXXX Acct XXXX-opened XX/XX/XXXX report again XX/XX/XXXX-XX/XX/XXXX 5. XXXX XXXX-opened XX/XX/XXXX closed XX/XX/XXXXreported again on XX/XX/XXXX ( 6 ). XXXX XXXX was opened but I never used the card XX/XX/XXXX reported again in XX/XX/XXXX ( 7 ) XXXX-opened XX/XX/XXXX and the last one XXXX XXXX-opened XX/XX/XXXX Reported in XX/XX/XXXX XXXX XXXX XXXX -opened XX/XX/XXXX -reported again -XX/XX/XXXX The only thing I want is for them to be taken off because they are paid off and I no longer have these cards. I don't want them to keep reporting because they will never get taken off because it pushes the years back each time they report them. 
This is wrong and unfair. Please, help me get these accts deleted from my credit report, this is all I am asking. I paid them very well and I don't understand their logic in reporting them over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Sent a certified letter to XXXX on XX/XX/XXXX Disputed several inaccurate inquiries. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX *XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They mailed me back on XX/XX/XXXX, which with mailing times to and from gave them possibly 4 business days to actually investigate my complaint. I assume 2 days mailing time to and 2 days for them to mail it back. This is insufficient time for this company to actually properly investigate my complaint. By law The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order. 

I informed Equifax that I DID NOT give permission for these inquiries under any of the above affirmations. But the company decided to ignore my concern and tell me that I was my obligation to contact each company to get it removed. In order for information to be reported it is the duty of the credit agency to substantiate any disputes. They are unable to do so. I the consumer am stating that these inquiries was not factual or permissible from myself. They need to be removed immediately as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Tried to reach out many times to get these issues taken care of with no luck

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 2019-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I purchased an airline ticket for XX/XX/XXXX via XXXX and used my XXXX credit card to do so. On the same day XXXX issued a ticket for XX/XX/XXXX. I immediately called them, told them they issued a ticket for the wrong day, and was rebuffed and told I was only entitled to a partial refund. That same day I filed a dispute with XXXX. 

Today, XX/XX/XXXX, XXXX told me that : - They would not dispute this for me because I have not cancelled the ticket that was issued for the wrong day. They also acknowledged that cancelling the ticket and accepting a partial refund would be tacitly accepting I was at fault, not the merchant and they would not help me in that case either. 
- Because the merchant claims it was purchased for the XXXX ( despite it being _immediately_ contested and disputed ) XXXX will XXXX with the merchant and not dispute the purchase. The only " counter '' to this is if I happen to have a screen recording of my purchase. This is an unrealistic, unmeetable standard of proof intentionally created such that no one could meet it. 

XXXX has, in essence, stated two separate ways that it it is impossible to dispute a purchase that was made but never delivered and left me with no avenue for resolution or assistance. They're skirting their responsibilities as a bank and card issuer and I'd appreciate any assistance you can lend to this matter.

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 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Thisdebtof{$350.00}waspostedtocollectionsinXXXXof2019.IcalledXXXXXXXXandtriedtohavethemexplainittomebecauseIhaven'thadservicesthroughthemforatleast3or4years.Theycould'texplain.NowithasbeenplacedforcollectionsandIdon'tthinkIoweit.Ipaidallbalancesandreturnedequipmenttothematthetime.Ifeelthisisamistakeontherepart.IalsocannotaffordtopaybecauseIamonSocialSecurityXXXX,can'tworkandonlimitedincome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is updating my outdated credit report from 2003. This account has passed its time from reporting and they will not remove it. The balance is on XXXX and its been over 14 year but it continues to update and report as active. I need someone to look at this and verify it doesn't violate my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: TX

Complaint narrative:
I have requested my original 30 days to dispute medical debt on XX/XX/XXXX with a HIPPA request also in the letter. I never received a response and I have fax confirmation they received my request. never received a response. 

On XX/XX/XXXX I sent another request for debt validation requesting the same items including my HIPPA consent under federal law and ( no response ). 

On XX/XX/XXXX another fax regarding prior two requests and ( no response ). 

My agent made several phone calls recorded to Sequoia Financial and they claimed they sent a response to me and did not. 

On XX/XX/XXXX sent another request by my agent signed by me for another request with a POA and a release of cease and desist they claimed as their excuse for XX/XX/XXXX, but no reason for XX/XX/XXXX of a failed response. 

Finally, I sent a certified letter on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX, that was received on XX/XX/XXXX at XXXX XXXX confirmed as received. I still see that my unverified debt is still reporting on my credit. 

I feel that my consumer rights have been seriously ignored and violated under the FDCPA and FCRA regulations and there is a serious violation that needs legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Regarding Late Payments on Credit Report We started loan modification procedures in the summer of XX/XX/2018. It took us 8 months because Bank of America kept kicking back our paperwork because they could not read my husbands military pay statements. We spoke with them on multiple occasions trying to walk them through how to read them. Finally, we were awarded a trial loan modification on XX/XX/2018. We were told to make payments by XX/XX/18, XX/XX/18 & XX/XX/18.  We made these payments on time and have proof from our bank that they were cashed. These payments are being reported as late, even though they were paid on time per the terms of the contract. Bank of America is erroneously reporting this information. We have tried fixing this thru the credit reporting agencies 2 times. We have gone to the XXXX and have still not had any positive results. B of A Regulatory Compliance Department has called me 2 times to leave a message, once on XX/XX/XXXX and once on XX/XX/XXXX. We have called back on XX/XX/XXXX ( 3 times ) ,XX/XX/XXXX ( 1 time ) & XX/XX/XXXX ( 6 times ) and are not able to get anyone on the phone. 

B of A 's lack of response and false reporting is causing issues for us as we are trying to refinance this loan to a lower rate.

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 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019, I filed yet another complaint against JP Morgan Chase Bank. On XX/XX/2019 I received a telephone call from Mrs. XXXX XXXX ( phonetic ) at approximately XXXX who states that she had just received my letter package and she is not intentionally sitting on issuing me my check. Although I received the release and settlement agreement and the W-9 form on or about XX/XX/2019, I signed and had the document notarized as they requested and I completed W-9 form and Chase Bank received the documents on XX/XX/2019 via express mail. Somehow, it took Chase Bank several days AFTER THEY HAVE RECEIVE their express mail to allege they have just receive it. Never the less, Miss XXXX claims that she has to find the department, which she REFUSED to name the department, and ascertain the status of my check, that was on XX/XX/2019. Miss XXXX states that she would call me back and THAT NEVER HAPPENED! I can only assume that JP Morgan Chase Bank is located inside a building the size of Texas or Mrs. XXXX is not being honest. Chase Bank received their requested documents on XX/XX/2019 and Mrs. XXXX coincidently called me shortly after I filed ny complaint. If Mrs. XXXX is not intentionally sitting on dispersing my check, then why is it taking her so long to find the department that is ALLEGED to issue checks, it makes no sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ). 

I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already. 

I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made. 
I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX   via fax XXXX XXXX credit card

Company response to consumer: Closed with explanation