vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a dispute with XXXX. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my chase cards but completely deleted one of my chase cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my chase card put back on my account with balance updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..

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 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I sent a letter to ACIMA CREDIT requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, ACIMA CREDIT provided me with billing statements which does not prove i am obligated to pay them anything. ACIMA CREDIT have reported delinquent information to the credit bureaus that i am asking to be deleted. The bill that was sent to me is not the same account thats being falsely reported to my credit nor does it have the right address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inaccurate statements regarding my personal information on my Experian credit report. I tried to dispute these online, but their system tells me that the issues can not be addressed online, and gives me a telephone number to call. I called that number, and none of the " robo '' options address personal information, and there is no way to get a human being on the line. In short, they are reporting incorrect information and giving me no way to dispute it.

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 2018-11-20 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: TX

Complaint narrative:
I opened a dispute with experian. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my XXXX  cards but completely deleted one of my XXXX  cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my XXXX  card put back on my account with balance updated.

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I believe XXXX XXXX XXXX and XXXX XXXX XXXX two fugitives   that I reported multiple XXXX   are  calling TD bank making false claims tha I'm a XXXX XXXX asking TD Bank and other company to place hold on my account which Did not authorize please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: NJ

Complaint narrative:
My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. 
I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and  the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am an attorney representing a client on a probate estate for her late husband in XXXX XXXX County, Missouri. We were referred to by the Office of the Comptroller of Currency to file a complaint with this agency. 

My client previously obtained a probate court judgment - known under Missouri law as an " Order of Refusal of Letters to Surviving Spouse '' - therein awarding my client her husband 's  mortgaged home. This judgment was recorded with the XXXX XXXX County Recorder of Deeds, and pursuant to Missouri law, title to the home was transferred to her. 

She has attempted to complete a Successor in Interest transfer of the underlying mortgage with US Bank for over a year now. US Bank continues to send my client an identical stock letter requesting that she send in a copy of the most recently recorded deed, to complete the Potential Successor in Interest process. We have sent the aforesaid recorded probate judgment to US Bank on numerous occasions. They continue to fail to recognize or acknowledge that the judgment has been recorded and title to the property has been conveyed to Ms. XXXX by operation of law. There is no other recorded deed which we can provide. To date, we have received the identical letter five times now.

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 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion deleted positive information, at the same time as deleting other information on my credit report. Transunion also mailed me a letter stating they could not find information about XXXX XXXX XXXX. My name is XXXX XXXX, no middle initial. They have been reporting XXXX XXXX for many years. In fact, when I log onto the Transunion dispute website, my name is displayed as XXXX XXXX. This needs to be consistent, across the board, when it comes to my credit report. According to credit report # XXXX, issued on XX/XX/XXXX, Transunion states Re : Unable to locate credit report. Fix my name and add the following positively reflecting accounts that were improperly deleted from my file. 

XXXX XXXX Retail Credit Card Revolving Credit Credit Limit -  {$4700.00} Never Late Open account Opened - XX/XX/XXXX Balance - {$0.00} XXXX Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX RETAIL CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE

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 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery ( PR ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 6 months. PR began steadily calling my home from XX/XX/2018. They have been calling using 26 different phone numbers from all across the USA. Their calls disconnect when my answering machine turns on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX   recommendation ). When a specific PR phone number is blocked, they resume calling with a new phone number from a different state. My wife and I have been the only residents here for the past 10 years. We do not have nor had any debt. I have complained to XXXX regarding this harassment. XXXX contacted Portfolio Recovery on XX/XX/2018 at XXXX regarding the abusive calling. Portfolio Recovery would not provide XXXX with any information. I am registered on the do not call list and have filed multiple complaints about PR on the FTC web site. I was advised the contact your agency. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}. 

WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT? 

IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY. 

CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent activity was investigated by law enforcement and was validated as identity theft/fraud. A XXXX XXXX XXXX account was first reported on my credit report on XX/XX/XXXX. I have submitted my police report repeatedly to Experian, and also to XXXX XXXX XXXX   proving that this account does not belong to me. Experian and XXXX XXXX XXXX  has repeatedly validated this account as belonging to me even with proof that it does not. Experian and XXXX XXXX XXXX recently updated this XXXX XXXX XXXX   account to my credit profile on XX/XX/XXXX as having a recent late payment when the account previously reported that it was charged off for the last four years. This is fraudulent reporting within itself. I am requesting that Experian remove this XXXX XXXX XXXX  account from my credit profile, as it does not belong to me. I am also requesting that the recently updated late payment be removed from my credit profile.

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 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP
State: OH

Complaint narrative:
I had transferred XXXX dollars from XXXX to Keybank on Wednesday night. The transaction was received on a Thursday. It is now Monday and while the money was taken out on Thursday it is still not in KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TN

Complaint narrative:
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and 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 2018-11-20 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:
Not only has Experian taken extraordinary lengths of time, beyond the FCRA requirements of 30 days, to dispute results on my credit report, they are making any sort of dispute on the report nearly impossible to carry out. When I call the XXXX number, unlike most consumers, who have opportunity to dispute issue with a general rep, Experian makes me ( XXXX military vet ) have to take extra steps to rectify my problem. I have to call a special phone number with very limited hours to dispute anything. Experian calls this the consumer advocate team. This team makes consumers who complain to CFPB, go extra lengths to dispute because they are considered problem customers, so they make it more difficult for them to dispute. Experian is not only taking advantage, scamming consumers but they are committing fraud against military vets, both disabled and able bodied alike. 

- They are making accounts reappear after they are removed from the account. 

- XXXX XXXX, balance - {$31000.00} was removed and reappeared - XXXX - Closed account, listed as fraudulent account that was removed months ago and reappeared again ( {$410.00} balance ) - XXXX - current, XXXX balance, never late - Placed XXXX  credit card on my report with a XXXX balance, that was allegedly open on XX/XX/XXXX, with a {$400.00} dollar credit limit. I have an account with target, a retail credit card with a {$200.00} dollar limit, XXXX balance, current, never late, opened on XX/XX/XXXX THESE ACCOUNTS DISAPPEARED REGARDLESS OF BEING POSITIVE. EXPERIAN GOING OUT OF THEIR WAY TO DELETE POSITIVE INFO XXXX  Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXXXXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX XXXX  CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE

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 2018-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit bureau has failed to report all of my paid auto loan accounts from ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I previously contacted each of them like the Equifax representative told me to and have them to report the information again, at which they obliged. I check my report months later only to discover again Equifax is the only bureau not reporting the information. I recently applied for an auto loan with a local dealer and was turned down by many lenders whom ran an Equifax credit report where there are no paid auto loans present, and multiple inquiries obtained along the way. I spoke with Equifax today and they refused to correct any of the above mentioned issues. They instead insist I file an identity theft report which has nothing to do with this issue and furthermore appears to be lying in order for them to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with Experian, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX Account Number 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