vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 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: AES/PHEAA
State: CT

Complaint narrative:
XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the 7 loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to one ( specifically, the XX/XX/XXXX dated ) of the 7 loans vs. being distributed across all 7 to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied the XX/XX/XXXX payment to the appropriate loans. In XX/XX/XXXX, I observed that my credit score had taken a hit due to a > 90 day overdue balance on a student loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXX payment had caused the XX/XX/XXXX loan to look like it was in default. I opened a dispute with XXXX, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment between XX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Sending info slowly want to resolve the issue better

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 2017-10-24 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: NY

Complaint narrative:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last year I attempted to set up automatic payments during a phone call with Capital One. Several months later it came to my attention that this did not happen and because of this Capital One has placed several extremely derogatory marks on my credit reports with all 3 bureaus. I have tried to rectify this with Capital One and even with taking some fault myself for not following up during a dark period in my life to make sure the expected minimums were being deducted Capital One has continually refused to make any type of compromise and offer the slightest goodwill adjustment in my favor. I have even provided my phone bill to the executive office team where a 9 minute call was highlighted that was when I recall activating a card and then transferring to customer service to set up these automatic payments. After several weeks of waiting not only does Capital One refuse to make any adjustments they also refuses to provide any transcript of the call to show that these 9 minutes were spent differently than I recall. Any assistance in reaching a compromise in this matter would be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My checks are being garnished by an attorney whom I 've not signed an agreement to pay, nor was I contacted regarding a court date to defend the debt. I have also requested written confirmation that I owe Atty XXXX XXXX XXXX. That information has not been afforded to me, neither has notification of original dates for court. Now 7-8 years later I am contacted. Ohio law states that 6 years is the limit to take legal action. Please help me if you are able.

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 2017-10-24 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:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

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 2017-10-24 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:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

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 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX17- I went to chase bank and made a atm cash deposit of {$500.00} dollars all in 20 dollar bills. While processing my transaction the atm machine shut down and stated " this device has experienced a technical problem ''. To confirm that your last request was completed properly, please visit chase branch or call us toll free XXXX The atm printed this slip of transaction which has the date, time, AID # Term Id # chase bank address card account number I called customer service immediately to report the problem they stated a case would be opened and they asked for all specific information on the atm receipt, DATE, TIME, ACCOUNT NUMBER, term id # they advised it would take 10-15 days to investigate although they would give me a provisional credit. 
I never heard back until yesterday XXXX/XXXX/17 as they now charged back my account {$500.00}. I called customer service number to inquiry on chargeback and they stated the deposit was not found and therefore they charged back my account. No overage money was found. 
The atm has a camera which they can review- the atm receipt has a transaction number /sequence number so how can my money just disappear. Now they are opening a 2nd investigation which can take up to an additional 15 days which is ridiculous that I have been inconvenienced and now 30 days later wait to wait for them to reinvestigate again. The atm machine is their responsibility and the bank has now put me in financial difficulty by taking funds out of my account due to their atm malfunction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged 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 2017-10-24 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: CA

Complaint narrative:
As per the Fair Credit Reporting Act, I requested the documents on file they used to verify a bankruptcy listed on my report. I also requested the name and number of the person who verified the information as well. They ignored my request and just sent a blanket statement that they or a third party serviced was able to verify it, but did not provide any proof of such actions.

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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc.
State: NC

Complaint narrative:
I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or 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 explanation
Consumer complaint received 2017-10-24 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: CT

Complaint narrative:
XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the XXXX loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to XXXX XXXX specifically, the XXXX/XXXX/XXXX dated ) of the XXXX loans vs. being distributed across all XXXX to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied theXX/XX/XXXX payment to the appropriate loans. InXX/XX/XXXX, I observed that my credit score had taken a hit due to a > XXXX day overdue balance on a XXXX loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXXpayment had caused theXX/XX/XXXX loan to look like it was in default. I opened a dispute with TransUnion, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment betweenXX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.

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 2017-10-24 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: NM

Complaint narrative:
Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}. 

I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well. 

I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff. 

I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On or aroundXX/XX/XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XX/XX/XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within XXXX days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your XXXX disregard for the law.

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 2017-10-24 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: NM

Complaint narrative:
XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to 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 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I purchased a XXXX {$200.00} certificate with points from American Express through the Amex rewards site ( I redeemed Amex points ). XXXX states they can not use the certificate # XXXX because Amex is not passing information to their system. Im out the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I called Bank of America credit card Dispute and told them that XXXX have n't received a payment in the amount of XXXX and I told them I want open up a Dispute and they refused and told me once it cancelled I ca n't reopen it I received a call from XXXX rep today on XXXX XXXX2017 and they told me they have n't received XXXX from Bank of America and my service will be interrupted soon for non-payment so once again I called Bank of America again and ask to speak to supervisor and she was rude and told me they released the funds back to XXXX and until this day XXXX have n't got the money yet ... ...

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 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
sca collection has re-aged an old debt in an attempt to ruin 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 explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )

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