vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We have been trying to have our property taxes paid from our impound account for over 2 months. We have talked with the company on the phone many times and always ensured it would be taken care of. Now our taxes are delinquent.

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, Chase bank charged wrongly overdraft fees, I have alert of low balance or unsuficent fee balance and always deposit immediatly to cover transactions if needed but Chase always changed the order and charged me overdraft fee anyway. when you call they said their per their guidelines they don't refund more then 2 overdrawft doesn't matter bank fault or not.

Taken {$34.00} from people is money just because you can is not Ok.

See attached documents. When Chase refund, they always find the way to take back what they refunded in first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northern Resolution Services
State: OH

Complaint narrative:
I received a call from my boss at a XXXX home I only work at once a month. She stated that a man called and said that he was contacting her to tell her I was being sued and that he would be at the job in the afternoon to serve me, with a police officer. or she could just give him my address and they will come to my home instead. Also was asking her if I work tonight. He then gave her the phone number so she can reach him and the case number of the " law suit ''. She gave me all the information and when I called I learned that it was a collection agency. I do not know how they got my job information as I haven't been working for them for that long and this really didn't look good for me. She told me please take care of this we can't have people coming to the XXXX home for things like this. I did not speak to anyone on the phone from the company ( Northern Resolution Group LLC ) They did not identity them self to my boss as a collection agency in XXXX NY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for the Chase Southwest Airlines visa card while on a SWA flight. 
My credit is frozen and I expected to have to unfreeze my credit report at one of the 3 credit bureaus. 
I waited for the letter from Chase asking me to unfreeze my credit. 
I received a letter at my home address dated XX/XX/2019 from Chase asking me to unfreeze my credit with XXXX. This letter listed reference number : XXXX I unfroze my credit with XXXX  on XX/XX/2019 and called Chase at XXXX Chase refused to send text verification to both of my phone numbers. 
1. My work phone which is not in my name but my company name. 
2. My home phone which was ported from an XXXX to XXXX XXXX last year. 

I received a 2nd letter at my home address ( same reference number ) dated XX/XX/2019. 
This letter was from their fraud prevention services and stated that my application was declined because they could not verify my information. 
On XX/XX/2019 I called fraud prevention services at XXXX but was not given any additional reason for the declined application. 
Chase is discriminating against users of non-traditional telephone services such as XXXX XXXX. 
My credit score is above 800 and I should not have been denied this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: MS

Complaint narrative:
I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and received a quote for XXXX   service. It was stated as a 2 year contract and I verbally agreed. I was not present for the installation and have never signed any documentation with XXXX. Because of the difference in prices from competitors I chose to stop using XXXX XXXX service. I was then sent a bill and told I owed XXXX the balance of an 6 year contract that I had signed. That was in XXXX and it was the first time I had heard anything about a 6 year contract. There was a dispute but XXXX could not provide any documentation that I had signed that stated this 6 year contract. XXXX then said they agreed and my account was canceled and I did not owe them anything. XXXX XXXX with XXXX said on XX/XX/XXXX that I had a {$0.00} balance and even sent me a quote for a new contract at a discounted rate if I would stay with XXXX   service. I have the emails. Today XX/XX/XXXX I received a letter from Perfection Collection stating that I now owe {$1500.00} and I had to pay before XXXX to avoid legal action. I tried to call XXXX but they won't speak to me. I called Perfection Collection and the lady told me that she knew what kind of person I am and I just didn't want to pay the debt. I explained that I paid my service fees and didn't owe XXXX anything but she told me multiple times " call XXXX '' even though she knows they won't talk to me, when I told her I would file a complaint with the CFPB she laughed and told me " good luck ''. She kept saying that she had a document signed by me as the contract and then provided a document that was obviously not signed by me, not even my name is signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: GA

Complaint narrative:
I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX. There were also some inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2019-05-07 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: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
On XX/XX/XXXX my car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with XXXX XXXX XXXX and the company that is collecting is Monterey Financial. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: GA

Complaint narrative:
I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is against Equifax credit bureau. I submitted a dispute regarding a fraudulent account from XXXX XXXX XXXX account # XXXX, date open : XXXX with {$0.00} balance. I already filed a police report which Im sending in this complaint and also an FTC ( federal trade comission ) report. XXXX XXXX already sent out information to credit bureaus to delete this account. The other 2 bureaus already removed the fraudulent information from my reports only Equifax is still reflecting the mentioned account. The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my Equifax report as soon as possible due to the fact that it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Identify theft report Experian report # 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 non-monetary relief
Consumer complaint received 2019-05-07 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: AZ

Complaint narrative:
On XX/XX/XXXX I sent out a letter to challenge the inaccuracies on my credit report. 

Year of birth is listed as XXXX on report.which inaccurate. 

XXXX XXXX TERMS - XXXX ... Should be a numeric value only. Inaccurate. 
MONTHLY PAYMENT - {$450.00} ... there should be no monthly payment on a closed acct. 


US DIST COURT Court Name is incomplete. Should include city and state. 
XXXX  did not verify this acct. with the source which would be the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: NY

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b )XXXX 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair  Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I am having problems with a medical collection it was reported three different times for three different amounts and the debt have been paid by my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I issued a check ( number 511 dated XXXX XX/XX/2019 ) for {$500.00} to a friend who lives out of town from my checking account with PNC Bank. When my friend went to cash the check at a PNC Branch in XXXX Virginia on XXXX XX/XX/2019, she was asked to pay 2 % of the check amount, in this case {$10.00} to cash the check. 
When I found out that my friend has been made to pay 2 % ( {$10.00} ) to cash the check, I complained to a Mr. XXXX XXXX, Branch Sales & Service Associate, at the PNC Bank Branch on XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I was informed that it is PNC 's policy to charge for check cashing if the person cashing the check does not have a business relationship, because of the 'risk ' the bank is taking to cash the check. 
I think this is an example of big banks continuing to exploit their customer by unreasonable charging of fees while returning the money that I deposited into the account. Please enact a regulation, to prevent the banks from charging any fees to cash checks presented to them in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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 chase account was billed for purchases I did not make on complaining they did not resolve them and still having to pay the amount for these purchases. There are still on my credit card statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: LA

Complaint narrative:
TransUnion is STILL reporting an unverified account to my credit report. I have contacted the ORIGINAL CREDITOR of the account and they have responded on XX/XX/19 through the CFPB Portal stating the account will now be removed. 
Original Creditor Response : In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to XXXX & Transunion to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation