vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX  XXXX EN account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX XXXX XXXX child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage changed hands 2x in less than 6 months. My 2nd installment of my taxes didn't get paid. I ended up getting a new mortgage..in the meantime, interest accrued on my non paid taxes. I got sick of Mr. Cooper, and got a new mortgage. When I got my escrow back, they only gave me XXXX of the late fees back, not XXXX. So I still need XXXX back. It's not my fault they didn't pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Optio Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/XXXX, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XX/XX/XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, we started receiving multiple calls daily regarding collection of a debt. 
For several weeks we ignored the calls until we received a letter with the same name of the collection agency. " Sequium Asset Solutions , LLC '' We contacted the Collection Agency by phone to get information regarding the collection. It was for an account we  closed in XX/XX/XXXX, XXXX Service. We explained that we paid the account in XX/XX/XXXX and paid in full. We were never contacted by XXXX, nor anyone until XX/XX/XXXX for any additional debt owed. On the phone call we asked the collection agency to provide us with the billing information so we could verify the account and billing to verify the collection attempt. 
We also contacted XXXX for billing information for verification. They deferred to " Sequium Asset Solutions , LLC ''. 
Neither company was able to provide the information requested to verify the collection attempt. 
On XX/XX/XXXX we sent a certified letter to " Sequium Asset Solutions , LLC '', requesting the billing information for verification. We have not received a response to our letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX  XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to Wells Fargo Bank by XXXX XXXX XXXX as part of her monthly mortgage payment and Wells Fargo sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through officialpayments.com and learned that XXXX XXXX  XXXX County, VA banking institution is XXXX & XXXX XXXX. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX  XXXX  XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).

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 2019-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Obtained payoff quote and their procedure from Specialized Loan Servicing on how to payoff the balance of my loan. Mailed by priority mail XXXX a cashier 's check from XXXX XXXX XXXX for {$680.00} which a copy of the cleared check from XXXX XXXX shows it was received by SLS XX/XX/19 by XXXX 6. The payment was due XX/XX/19. 
Continued daily follow up with SLS since XX/XX/19 shows they have never posted this payment to my account indicating payment in full. 3 emails sent, 1 fax sent and confirmed, 10 phone calls all multiple requests only results in extended hold times and no results. 
I request that my account reflect paid in full as they have the money received in a timely manner and that all liens and paid in full paperwork be completed indicating no derogatory reflection on 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 2019-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
AmSher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX AL is trying to collect for XXXX some debt which is not mine. I have never had a XXXX account. They apparently located my name on the internet as being connected with the owner of the account, but I was not their customer and I did not guarantee any account that any entity had with them. Their collection actions were entirely unknown to me until I viewed my consumer credit report on XX/XX/19 after being denied credit by XXXX XXXX. They have damaged my credit history and caused me be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CrossCheck, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/2019, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the CENTRAL LOAN/CENLAR partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have a checking account with PNC bank for a long time. I noticed that this bank start charging a fee of {$3.00} as check images in statement fee on XX/XX/XXXX & XX/XX/XXXX.  I never issued a check during these two months. This bank is harassing me for no reason. The customer service of this bank was very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
back in XX/XX/XXXX I spoke to a young lady by the name of XXXX. I wwas close to 120 days past due. I explained my situation and that I was maing payments to show my intent to pay the loan. she said that some customers they have to call the police on because they try to hide vehicles. I explained I didnt want that. That i own my own buisness and I was out of work for 6 months due to my equipment breaing down. I made a payment. On XX/XX/XXXX XXXX left a voicemail identifying herself from XXXX and that she understood what the vehicle ment to me and she was trying to help me keep it and prevent from calling higher authorities. when I heard the voicemail I got scared but I had already made a payment. I contacted XXXX and they said they would review the voicemail and call but never returned my call. on XX/XX/XXXX i spoke to a supervisor who said she would review the call and i asked for there legal departments information and was told that the legal department only protected them but that she would review the call and they would take action but did not specify what action or remdey would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-27 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested and received from Chase Bank an e-mail with a code for a {$600.00} sign-up bonus for new customers. I received this e-mail on XX/XX/2019 at XXXX XXXX to my personal e-mail address. This e-mail is shown as Figure 1. I followed the steps exactly as shown on the e-mail and clicked the blue Open an account button with the fine print which reads, Coupon code automatically applied. Once I opened the account I set up direct deposit and deposited the qualifying amount of new money as described. I followed up three months later and was told I never entered the code, much to my dismay since the coupon code should have been automatically applied. 

Anyway, fast forward to today and through numerous calls with Chase customer Service and Research Department staff, too many to recount here, Chase Research Department staff XXXX ( Contact XXXX extension XXXX ) finally got back to me with the unfortunate news. On XX/XX/2019 at XXXX XXXX and lasting 17 minutes, XXXX began to inform me that the XXXX researching my case ( whom I was not able to speak to ) stated that the customer ( myself ) had not applied a coupon code nor navigated to Chase offer page around the time of account opening. I explained to her that I did not need to do any of that because the email stated that the coupon code was automatically applied! I was notably upset, and she refused to assist in any other way other than insisting there was nothing more she could do. In addition, there was no way I could forward to the Chase Researchers any documents to make my case. In addition, they would NOT provide me with the reasoning in writing as their findings. They stated that, and Im quoting, the research findings are internal documents. This feels like a financial institution not wanting to keep auditable and legal documents available. Chase needs to release these documents, fix their email promotion system and award me with the {$600.00}. I am looking for the CFPB ( Consumer Financial Protections Bureau ) or the OCC ( Office of the Comptroller of the Currency ) to assist in this manner. 

And, on a more basic human level, does it even matter technically what happened? If the email link broke and there was some sort of technical glitch, I am a new Chase customer that followed every step of the terms of the promotion, just a few days after a promotional code was emailed directly to my very active, main personal email account. It just seems utterly ridiculous that Chase would refuse to honor this and the way I was treated and the service I received is unbecoming of such a large national institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis sent to my employer a list of " 61 judgement & Liens '' When I disputed this they sent me a list of my previous home address '. 
The list of 61 judgments & liens were all not accurate, satisfied, duplicates or not mine. 
They also sent this to a prospective new employer as a pre hire check.

Company response to consumer: Closed with explanation