vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX   XXXX ,  2017 Bureau of Consumer Protection  Federal Trade Commission   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX   RE :  FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Wh om It May  Concern : On  XXXX   XXXX ,  2017, I   received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand tha t may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  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 2017-05-16 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: NC

Complaint narrative:
XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  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 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received a phone call approximately 10 days ago from the  Convergent Healthcare Recoveries  company, attempting to collect a debt on medical bills. To my knowledge we had no current or past due charges requiring payment. When I asked for more information the caller stated the date of service was from  XXXX , more than 4 years ago.     Today (  XXXX / XXXX / XXXX  ) I received a letter asking for payment in the amount of {$130.00}, The dates of service were  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX . Both show payments ( not from insurance company ) in amounts that would coincide with mu co-payment.     I have paid my medical bills in good faith. I was not aware of an outstanding amount. I can not access my bank records or my explanation of benefits back to  XXXX  to validate the services or research the payments.     I have written them stating they are not to call me on this debt and that I consider it invalid. I have also informed them that I have filed a complaint with the CFPB.

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 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
THIS IS THE SECOND TIME I AM FILING THIS COMPLAINT In    XX/XX/XXXX    I noticed that I had a strange charge in my checking account. The charge was fro   XXXX  . I pulled up my checking account and also noticed a " preauthorized check '' in the amount  XXXX  that was taken from my account. After some time I realized that I had been charged monthly sin ce  XX/XX/XXXX . I was pretty upset over this and decided to contact Chase Customer Service. The  person I spoke with said that there was nothing they could do. I said, " I did not authorize these charges. Surely you can do something. '' Th e Chase asso ciate would not help me. I then spoke with her supervisor who said that there was nothing he could do. I asked to speak with his supervisor. He called me a few days later and apologized but he could not help. I then said, " can you at least stop these charges? '' They said, " we can do a stop payment on each for {$30.00} for eac h ( 60 tota l ). I tried contacting  XXXX   XXXX  and  XXXX . I could not get in touch.  One time a wo man answered and she sounded like she was in her car. I was NOT going to pay chase to stop these charges. I was going to find another way.   Several months ago, my boss told me to contact the CFPB in order to dispute these charges. The charges for  XXXX  are from  XXXX   (  totaling  XXXX  ) and the checks are from  XXXX  ( totaling  XXXX  ). After I contacted CFPB, someone from  Chase contacted me and told me that she would help as best she could. She called me a day later and said, " Oh, you never filed a claim with Chase. '' I said, " I was never told to file a claim. I spoke with an associate and two supervisors. They all gave me a hard 'no. ' '' She said, " Oh well I ca n't help you until you file a claim. '' Ok, so I just called Chase in order to file a claim. The claims adjuster name d  XXXX , just told me that she coulud not help me at all. That they can only go back as far as 6 months. She ca n't even pull up the record. I said, " that 's funny, because I just printed up every month that was charged. '' I then said, " well, I need to file a claim so that I can move forward with this. '' She kept telling me that she could not help and that there was nothing that could be done. At this point I 'm upset. I did not authorize these charges. I was scammed and this is not right. I want all of my money back. I want the  XXXX  and  XXXX  charges refunded back into my account. The total should be : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH

Complaint narrative:
I signed up for  XXXX   XXXX  at the end  of 2015. A fter falling into financial hard times, I tried to work with them to end my contract. I was later sent messages from an employee named  XXXX  who said he got someone to take over my contract. I never heard anything else from them. Now I am receiving collection bills saying I owe over {$1300.00}. I was given false information from the company and now they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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:
On XXXX XXXX I sent out a certified letter it was received by TransUnion on XXXX/XXXX/XXXX The letter was sent to TransUnion in regards to inquiries that are showing up on my credit report that do NOT belong to me. Despite having a fraud alert on my account they still allowed for multiple inquiries to be made by someone else. They keep sending general letters saying these inquiries are factual. They responded on XXXX/XXXX/XXXX three days later to my initial dispute. But they are NOT factual because I did NOT make them. They would know that if the did an actual investigation. 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 There was not a permissible cause for any of the following. I have reached out to the creditors that I could but each of them want me to give them my information and I am not comfortable with that especially since they already have ran my information without my permission. Transunion is the only credit bureau that has not followed the correct steps in the matter. Every other credit bureau has found out that these inquiries did not belong to me and have deleted them.I know that Transunion should investigate these inquiries but there is no way possible within 3 days they investigated any of my inquiries. I am a consumer and I have the right to have only correct information on my credit report. FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules. Creditor Name with some showing mutliple dates. 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 FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules.

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 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is in response to your  XXXX   XXXX ,  XXXX  dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are  two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated  XXXX   XXXX ,  XXXX  and the second cashier check is for {$37000.00} dated  XXXX   XXXX ,  XXXX  which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( r eceived by  XXXX   XXXX  in front of  XXXX   XXXX . they were talking to  XXXX   XXXX   ).  This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to   XXXX   XXXX   XXXX   in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.

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 2017-05-16 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:
Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
We are trying to work through the process of trying to close on my  Aunt 's co -op, located in the neighborhood of  XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees.     We, including our attorney, are frustrated. HELP!

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 2017-05-16 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: CA

Complaint narrative:
XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  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 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.

Company response to consumer: Closed with explanation