vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 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: NC

Complaint narrative:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NC

Complaint narrative:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached 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 2018-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Due to a catastrophe, my girlfriend and I were displaced from our home. We were put in an apartment ( XXXX XXXX XXXX XXXX, XXXX, GA ) for a little over 2 months. The cost of the apartment was covered by our homeowners insurance ( XXXX ). After our home was fix, we moved out of the apartment and back into our home. We were send a final invoice which was forwarded to our insurance company and subsequently paid. A month after moving back into our home, we received a letter from IQ Data International requesting we pay {$540.00}. I was very surprised by this because our insurance had paid our rent and no one from the apartment management tried to contact us. My insurance will not pay this debt unless it can be validated by IQ Data International. When contacted by IQ Data International, I ask if they could provide an itemized ledger to show which month 's rent and/or charges were underpaid. They could not provide this information. It has been almost a month since we were first contacted by IQ Data International and they have not provided an itemized ledger to validate the debt. Furthermore, they have threatened that this is appear as a negative item on my credit score if it is not paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ZINC Financial, Inc.,
State: CA

Complaint narrative:
I sent the check to make my monthly payment to Zinc auto finance. I was called by their agency and informed that they did not receive the check and instructed to make an automated payment at XXXX. I agreed to do so because I wanted to make my payment. I was informed by the associate that my check would not be deposited. I found out that the payment could not be processed through a card but only by cash at XXXX so as you can see dated XX/XX/XXXX ... there was a withdrawal for XXXX which is my payment. Then on the same day my check was also deposited. I called XXXX XXXX XXXX and asked what had happened and asked for a reimbursement of one of the payments. I was told to call my bank and ask for a reversal. My bank informed me there was nothing they could do and to contact Zinc and ask for a refund and they would take care of the overdraft fees which total over XXXX dollars. I called Zinc back and explained what my bank had informed me. I was placed on hold for over 20 min and then hung up on twice " by accident. '' I was then directed to leave a voicemail for the supervisor. I proceeded to do so and explained my situation. She called back and I again explained what had happened. She informed me that there was nothing they could do for me. She said she spoke with accounting and they were unable to process a refund. I was literally in tears asking her if there was something she could do. I agreed to one payment not two. I am a single mother going to school and working and could not afford the double payment. I explained if she would reimburse me my bank would cover the fees. She said she would talk to the accountant again but there were no guarantees. I was just in shock that a company would take two payments and not reimburse one. These people clearly do not care about people they only want their money and will not stop at any point to get it. I am most definitely responsible for making my payment but I simply could not afford two. I highly recommend anyone looking for a bank to take a loan out with to look elsewhere unless you are ok with being treated poorly. I am still stunned at the way I was treated. They told me it was my fault for not putting a stop on the check when I was informed it would be documented that my check would not be cashed. The clerk who I spoke with on the phone had an attitude and told me " I did n't write the check. '' They asked me why I made the automated payment when I wrote the check and all I was trying to do was make my payment and be honest and be in good standings with these people. I am just downright surprised at how I was treated. I made another bank account to take care of other bills I need to stay afloat while making payments on the other account as I can. All because I was denied a return on a double payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC.
State: NC

Complaint narrative:
I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a Chase credit customer. On XX/XX/XXXX, Chase contacted me regarding a fraudulent charge. I immediately told them on XX/XX/XXXX that the charge was fraudulent. Furthermore, I spoke to them twice both on XX/XX/XXXX and XX/XX/XXXX to have the fraudulent charge removed but to no avail. Both times, I was rest assured that I would see the credit on my account within 24-48 hours. On XX/XX/XXXX, I finally found the emails of several people at JPMorgan Chase leadership. They claim that the credit was not issued because of " system errors. '' Furthermore, they indicated that speaking to a customer service agent twice on separate dates with no result was in line with their customer service levels. I find this hard to believe and would like the XXXX to start investigating whether Chase is actually causing financial harm to customers because of their failed internal controls. I hope that customers are not being charged for things that they did not authorize, which is a control deficiency in itself, and more importantly that they get those fraudulent charges removed immediately upon confirming to Chase. I believe if I had not contacted the executive office, I would still be responsible for {$25.00}. In the meantime, their fraud department located in XXXX, whom they referred me to activate my new card have their head in the sand and do not realize that they need to activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: Monterey Financial Services LLC
State: WA

Complaint narrative:
This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: General Financial, Inc.
State: WA

Complaint narrative:
This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-25 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: WA

Complaint narrative:
This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

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 2018-01-25 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:
Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express has froze all of my MR points across all of my cards. I was not given notice or a reason why my points are being held for review. Their reps would only tell me they will be held for 6-8 weeks ; reps would n't tell me when the beginning of this 6-8 week " review '' period began so there 's no way to extrapolate when it will end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with you.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NY

Complaint narrative:
XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.

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 2018-01-25 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: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: TX

Complaint narrative:
Please explain to me when an adverse account stating removed date month and year XX/XX/XXXX is still on my credit report and how come transunion refuses to remove this item. See attachment XXXX XXXX XXXX # XXXX # item will be removed XX/XX/XXXX and we are in XX/XX/XXXX. According to FTC 605 ( 4 ) 605 ( c ) ( 1 ) also accuracy and fairness of credit reporting which transunion is violating by not removing this adverse account. I am requesting transunion to remove this error XXXX XXXX XXXX # XXXX # from my credit 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 2018-01-25 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: Commercial Acceptance Company
State: PA

Complaint narrative:
I filed a complaint against commercial Acceptance, they responded with an inaccurate information. I never received services from XXXX XXXX or Commercial Acceptance. They must provide full verification of any such transaction with a contract that have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank opened an account without my authorization. I advised them, but they keep sending me statements and state I owe them money. I had security alert on my reports, FREEZE as well, and they should have never opened an account in my name with all of the alerts I 've had on the credit report. They do n't want to resolve this issue and closing the account. I keep getting statements that I owe them money etc. I have never opened the account and they fail to resolve the issue.

Company response to consumer: Closed with non-monetary relief