vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 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:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting

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 2019-03-30 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:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thomas George Associates, Ltd.
State: OH

Complaint narrative:
On XX/XX/XXXX me and my daughter paid {$4800.00} to Thomas George Associates for a wreck my daughter has back in XX/XX/XXXX.  XXXX with TGA assured me and my daughter that we would have the original paper work within 2ish weeks. I have called this company many times over the last 5 weeks. Each time I have been given many different answers about this. All of the conversations were recorded also. We still do not have our original paper to take to the state of ohio to remove our security suspension that was placed on not only mine but my daughters license. Here it is over 5 weeks since we paid and still nothing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NC

Complaint narrative:
If account is under {$10000.00} then Lending Club has XXXX remove {$100.00}. This is illegal for several reasons. To let all the loans run out requires the amount to run under {$10000.00}. Secondly, an invoice was never sent from XXXX. Thirdly, I now live in a state that makes an account at the Lending Club illegal. ( NC )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I attempted to purchase tickets on XXXX and sent {$140.00} to someone through XXXX via Wells Fargo and the person I sent the money to never returned the money or sent me the tickets.

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 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
In 2014, I went to the emergency room. A month later I received a bill from that visit. I was covered through XXXX XXXX for University XXXX XXXX students. I went to the insurance on campus and showed them the bills. They told me that they never deny emergency room visits and they would check why it wasn't paid. I checked back in a month or two, and they told me that it had been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald AR Systems, LLC
State: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that Emerald AR Systems claimed to forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I do not have a signed contract nor any contract with Emerald AR Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Emerald AR Systems. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the item listed is not removed from my credit report within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Western-Shamrock Corporation
State: NM

Complaint narrative:
The company calls me everyday and leaves a message. They stop by everyday or everyother day and park in my driveway and knock on my door hard and leave notes! Are threatening in action, acting like thugs!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to obtain my free annual credit report from Equifax, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I have a mortgage with M & T bank that contains mortgage insurance ( PMI ). My LTV is at 79 % and M & T states that they wont remove PMI from my mortgage until LTV reaches 75 %. 

The 79 % LTV is confirmed by their own appraiser. Ive never missed a payment or broken any terms of the loan. 

The law from what I understand is that PMI can be removed from the mortgage at 80 % LTV and automatically falls off at 78 %.

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 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to Chase bank ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and Chase also provided a phone number XXXX. I called this number which is XXXX & XXXX XXXX  XXXX  the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a chase credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
have a charge on my debit card from Chase Bank i did not make XX/XX/XXXX for XXXX and XXXX, on XX/XX/XXXX received a text about a fraud charge from my bank a failed attempted, talked to them and reported it was not me, at that time I found out they used my card twice the week before, bank replaced the funds and then removed them. talked to the bank on XX/XX/XXXX and they said I have to deal with the vendor which is XXXX and XXXX. Called lowes on XX/XX/XXXX and they said they can not help me. 
,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had all but completed a complaint but had to leave the web page to try to find a account number for PayPal which does not exist. I will add a summary here : More than 2 weeks ago I tried to link to my PayPal account a bank account that I could use to transfer money economically and on a timely to basis XXXX. 
I have spent literally hours on the phone - at least XXXX as measured by my IPhone, usually an hour or more hold time, plus as much as an hour sometimes in trying to solve the dilemma. The dilemma revolves around the fact that they don't accept my XXXX phone number ; so, they had me arrange for one of my children 's phones in the US to be used and authenticated, and it has been so authenticated. 
The problem with PayPal is that they will not except my email, as half dozen other firms do, for authentication purposes. They insisted on the phone number. 
Two or three times they ran a series of, security questions, from who knows where. These are not questions that I had submitted answers to. They were questions like, what was the color of my XXXX car ; one possible answer was green and one possible answer was blue. Well I had one of both bought within a month of each other ; XXXX XXXX chance of failure. 
Another time they had someone who didn't speak XXXX, and I couldn't understand her and she couldn't understand me. 
Then there's the issue that I have it son and a grandson with the same name as me, and I think they were asking me their questions about their addresses and so forth. 
For the last 10 days I kept calling back because they were telling me to call back in XXXX to XXXX hours for more security questions. Today, they told me there will not be any more security questions. I am just out of luck. 
Finally, 10 days ago I accepted their suggestion to take out a free debit card from PayPal in order to draw out the money. That would not be very convenient, but at least I could get the money out. That was promised within 7 working days which is past, and it's still not been delivered to my forwarding address - much less to me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made several attempts to obtain my free annual credit report from XXXX, XXXX and Trans Union.

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 2019-03-30 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: GA

Complaint narrative:
I have made several attempts to obtain my free annual credit report from XXXX, Experian and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2019 I applied online for a balance transfer for {$8400.00}. Upon applying I was told the credit card had been approved. The approval did not disclose any other information about the approval. I never received any other documentation about the approval. Finally, a month later I received the card in the mail. Upon registering the card online, I found that a balance transfer had been done for {$3800.00}. I immediately called Fifth Third bank. The customer service rep over the phone could not give me any details about the transaction. I reported this transfer as being fraudulent because I had no idea what this amount was and Fifth Third bank could not give me any details. About 2 weeks later, I then received a letter from Fifth Third that they had completed my request for a balance transfer for {$3800.00} and submitted it to XXXX  XXXX XXXX. I NEVER requested {$3800.00}, therefore, I'm not sure why Fifth Third took it upon themselves to process an amount that was not requested or applied for. I would have preferred them to just turn down my credit card application if they could not approve it for what was applied. Now they are charging me a balance transfer fee of {$150.00}. I have had a credit balance at XXXX  XXXX XXXX for over a month now for the {$3800.00} that Fifth Third Bank sent and I have been trying to get Fifth Third to void that transaction and reverse the {$3800.00} from XXXX  XXXX XXXX. I was told they could not do that. I then contacted XXXX XXXX XXXX and requested they mail me the {$3800.00} credit overage so I can send it back to Fifth Third Bank. I was told by XXXX  XXXX XXXX that is would take 7-10 business days to get the refund check. 

They didn't even contact me with an counter offer. Why would I want to pay {$3800.00} on a credit card with a balance of {$8400.00} and create 2 bills. That defeats a purpose of a balance transfer. Also, if they would have advised me up front that I was only approved for {$4000.00} I would have let them known that I was not interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had first got the 2011 XXXX XXXX for a couple days I was took it to a car shop for a oil change and the mechanic ask me where I got this car from. So I've told him and he told me to take the car back and tell them I have a engine problem can they correct it. I went up to car source and told them the situation and they said they don't fix engine 's call credit acceptance. I called them and they said that's not their problem after what I've told them where I got the car from. I couldn't keep up the payments I couldn't make it to work due to my engine.

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 2019-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have retained a bankruptcy lawyer and I notified Bridgecrest in XXXX that a lawyer has been retained and offered the attorney 's information which they refused to take. I received an email and text message XX/XX/2019 from Bridgecrest advising that a payment is due and I responded to the text message that I have an attorney and sent the name and phone number of my attorney. I received a return text that my vehicle is currently out for recovery and I needed to make a payment of {$1700.00} today XX/XX/2019 because there is not a notation on my account that an active bankruptcy is present. I followed my attorney 's instructions and notified all creditors of obtaining an attorney and this creditor is the only one that has continuously failed to stop collection proceedings.

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 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I Have A Satisfaction Of Mortgage Dated Back to XXXX They Say Chase is not Chase Loan, On XX/XX/XXXX They Issued a S.O.M. on XXXX Recorded with our Register of Deeds Here in XXXX XXXX On XXXX XXXX XXXX I got a letter from XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX . 
XXXX that the Ref.Id.that chase said it was not there loan That My Loan was paid in Full as of XX/XX/XXXX. I also got a S.O.M. From XXXX. recorded with our Register of Deeds XXXX. This has XXXX. My Acc/ with Chase started on XX/XX/XXXX A S.O.M. It is a Document Generator By a Mortgage Lender It contains that the lender has no longer has any control over owner ship of the property the loan is Paid In Full. Our XXXX. Statutes state That XXXX Statute 706.05 { 10 } and 706.05 { 10 ] { a } This all mess started with the Housing Market crash of 2007 On Oct.6/2007 The Feds Announces that it provide 900 billion Dollars in shot term loans to Banks the Dow cloase below 10,000

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: KY

Complaint narrative:
I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XX/XX/XXXX {$67000.00} XXXX Bank XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX Credit Card XX/XX/XXXX {$1500.00} XXXX/XXXX XX/XX/XXXX {$800.00} XXXXBank/XXXX XX/XX/XXXX {$620.00} XXXX Bank XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XX/XX/XXXX {$450.00} Public record : Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX and XXXX XXXX : XXXX bank XXXX XXXX bank XXXX bank XXXX XXXX bank XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX XXXX 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