vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have paid the balance of the JPMCB Card with the negotiated understanding that the negative impact on my credit reports would be removed. I was told letters would be sent on multiple occasions as well as emails showing this. I have called multiple times with customer service hanging up on me and transferring me as well as being told the letter is being sent to no avail. 
XXXX is the customer service number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: AZ

Complaint narrative:
The company has reported an account for a XXXX overpayment that I wasnt aware of as a charge off /collection /never late /paid in full I have reached out to the dept of edu and was advised the account was received in there office on XX/XX/XXXX and a letter was sent to me I didnt receive a welcome letter from them until XXXX in which I called and arranged to pay them in full on XX/XX/19 which I successfully did. This account was not on my CBR prior to me paying them it poppped up on my CBR XX/XX/XXXX with the above verbiage I reached out to the company and asked for them to correct it and they requested me to go out my way even though its there mistake to dispute it with there company I clearly asked why was it reported as a charge off and the account was only opened on XX/XX/XXXX which doesnt qualify for a charge off reporting given a acccount must be at a minimum of 120days delinquent the representatives flat out refused to correct it one supervisor put me on mute and refused to answer me to where I eventually hung up and called back and spoke to XXXX agent Id XXXX who informed me only one supervisor noted the account which is a error because I spoke with two supervisor prior to him and three regular agents I asked for him to send me all letters on my account in which he denied me and advised I had to submit request in writing but the first supervisor I spoke to was willing to resend

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CO

Complaint narrative:
KeyBank has charged an outrageous amount in fees over the last few weeks to my checking account, {$38.00} each time for a total of {$1100.00} since XX/XX/19, that has totally eaten up my biweekly paycheck all to their ridiculous fees and have made it impossible to catch up. These fees seem very predatory and can not believe they charge so much without fail. Most of the negative amount on my checking account is caused by the fees themself making me go past due. I have attached screenshots of my account to show the multitude of fees, which again seem so predatory and have caused an incredible amount of stress and financial burden at {$38.00} each time and another {$28.00} for being past due for a certain period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN

Complaint narrative:
I recently received a modification with the 3 trial payments. I've made the 3 trial modification payments and the mortgage servicer still has my property set for property foreclosure. The Property foreclosure sale date is set for XX/XX/2019, why is the mortgage company trying to foreclose on my home when I've made the 3 trial payments and I'm making the first mortgage payment. I have not received my permanent modification agreement as of yet. 

I need Help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Lived at the same address for 7 years, do not have any alerts/restrictions on my Experian credit report. Have been obtaining my report on a yearly basis with no issues. Just recently ordered my report through both XXXX and XXXX without any issues. However, having an issue ordering my Experian report through the automated system. I should be able to receive my once yearly report 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 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was cleared of a debt by XXXX XXXX through court. The other party that was on the loan took me to court and ended up being responsible for the debt. I sent Equifax a letter from XXXX showing that I no longer owe the debt and Equifax will nt remove it. There are a lot of things that do not belong to me on my Equifax report and it is ruining me from purchacing a home for my kids and I I have done all I can and even file a ID theft report and sent in to Equifax and they still will not remove that and several other things from my report. 

Also all 3 credit bureaus are reporting lower scores than I actually have and that is another thing that is stopping me from a home purchase I am a single parent and I worked hard to get my cerdit on track for this home purchase and now I an being denied due to inaccuries on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: BB&T CORPORATION
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX I got a Veh loan in XXXX with a company called Regional Acceptance I bought a used pickup truck for a little over XXXX I ran into fiananial problems but since then I have tried to clean up my credit alot I have not credit cards 1 loan but since then they were using experian credit reporting agency they stopped using them an it been removed off my XXXX   file and now its on my XXXX report XX/XX/XXXX these people refuse to let me clean up my credit Please help me get them off my report

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Insurance check for hail damage included phh mortgage as payee. Check was sent to phh with the understanding that they would release funds to me and the contractor upon completion as verified by their inspector. I called for an inspection on XX/XX/XXXX and was told that the inspector will call me. The first time I called to ask why no one had called, i was told that the inspection company has 7 business days to respond and it had only been 6. Each time I called after that I was told that another inspection request had been sent. The people who answer the phones in the " Loss Draft '' department say they have no control over the inspectors they hire and can not give me information to allow me to follow up with them. 
It has been over three weeks since I asked for an inspection. It appears that phh is intentionally delaying the inspection so that they can have the use of my insurance money as long as possible. My contractor has the legal right to a late fee from me and phh would certainly assess a penalty if I was late on a payment to them. So I believe a fair resolution would include a late payment penalty comparable to what they would expect from me if I was a month late on a balloon payment of over {$42000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: DISCOVER BANK
State: CA

Complaint narrative:
I have. A discover card. That I recently found out had unauthorized charges. ( I became sick and unable to focus on bills - billing statements still actively closed in envelopes proving I had not seen any statements ) it did take. Awhile for me to report but this was due to me just finding out. Im being helps liable for unauthorized charges and being forced to pay for these unauthorized charges. 
I had no idea this occurred and when I became aware I reported it and told them I had not seen statements to know. 
They keep insisting Im liable due to their speculations and false accusations without objective proof basing everything on what could have happened what I couldve done. Falsely accusing me of doing this without objective proof making me feel like I need to defend myself from them placing me in a position of defending myself as if Im a criminal. 
It is I believe their join to help customers not use everything to pin charges on them because they cant find anyone to blame. 
Im being forced to pay for unauthorized charges. And when resolving dispute they said they resolved dispute. They did not Resolving a  dispute between customer n creditor involves a resolution between parities. This is not resolved to me. Or when I received a letter they stated they needed more information without speaking to me same day they sent a. Letter saying they concluded the investigation. And holding me liable. 
Essentially the dispute was not handled properly or timely. Please call me for more info pleas e. 
Discover falsely accused customers and makes the. Believe they did something wrong putting the. In a defensive mode as if they have to figure out how to be detectives and forced to accept liability for unauthorized charges. 
I regret this card. Please do not get Discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE CONSULTING ACCOUNT # XXXX {$2300.00} UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I WENT INTO FIRST AMERCIAN TITLE LENDING XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I applied for a title loan. I was told that I had too many miles. They spent a lot of time making comments about a previous title loan with a title company. After I was denied the loan, I left the company. I applied for other services and discovered that the staff and company had used my social security and other personal identifying information to add a fraud alert to my credit reports without my permission. I applied for gas services and was denied. They could not access my credit report. I can not cook and get this process completed in a regular amount of time. Its the same issue with other services when I applied for services. They took away my privileges.

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 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
Please see email chain- on XX/XX/XXXX they were instructed not to debit a payment until XX/XX/XXXX and still did on XX/XX/XXXX. I have 2 accounts with them and requested this on both loans to wait until XX/XX/XXXX. When I speak to them they tell me there is no email from XX/XX/XXXX which you can see is clearly date and time stamped for XX/XX/XXXX at XXXX EST and they are Pacific time so only XXXX there. I also have sent an email every day now since XX/XX/XXXX which no one replies to and I asked for the supervisor I spoke to to call me back and have been waiting 2 days for that now. They have left me and my family with no money and have been charged hundreds in OD fees now. They refuse to reverse the payments. I also have a dispute in with my bank too. I need {$510.00} for this loan and {$540.00} for the other loan refunded ASAP along with fees I have been charged. Thank you. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Still no response for over a week now to 3 emails all included in this chain. One on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. I also received no assistance from 2 supervisors I spoke to : XXXX XXXX and then XXXX ( do not have last name ). Both are basically calling me a liar that I did not request to stop this payment for {$510.00} on account # XXXX and another one for {$540.00} on account # XXXX. Both were still debited from my account and you need to reverse the payments today. I guess you leave me no choice but to seek legal advice for not honoring a consumers request if you do not reverse the payments today. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Mon, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Why did a payment come out of my account today when I set them up per the below? This caused my account to be overdrawn and will need the payment refunded ASAP- immediately as in the next day. There should be no payment coming out on the XXXX either. The next one should be scheduled for XX/XX/XXXX. Please advise when payment will be refunded. 

Thank you. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : Loan # XXXX To : <XXXX> Hi, Please set my upcoming payments as follows : XXXX payment of {$510.00} to process on XX/XX/XXXX XXXX payment of {$510.00} to process on XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: CA

Complaint narrative:
I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: GA

Complaint narrative:
Previously this year in XXXX I called in and told them that I was no longer working. We then mutually agreed that utilizing my grace period was the best solution. I called into Lending Club on XX/XX/20 to express my proactive concern about future payments. I told the initial representative that I am still not working and I need additional assistance. I was then transferred to a payment specialist. The specialist preceded to tell me that I either pay or face negative credit reporting. She then broke down the timeline of non payment, after 30 days it reports negative, after 90 days its outsourced, and finally after 120 days its charged off. So I asked are you saying either I pay or face the consequences. She said " Yes ''. 

So I felt a little bullied, and felt she had a lack of empathy especially after I have proven great pay history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I called back in XXXX to remove the overdraft abilities as I didn't want to pay fees. They told me it was fixed. Today it is at over {$200.00} negative and I never went over the limit nor overdrafted. They agreed to refund {$75.00} of their fees and now I keep getting more and more. They are threatening to report me to early warning if I don't magically come up with money I never had nor wanted responsibility to.

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 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate 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