vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian charged my husband 's card without his permission twice for services that he did not ask for. He simply used his card to check his credit report and they continued to charge him for other services. When we called Experian, they denied that they had charged us so I had to call my bank several times to dispute the charges. Two weeks later, we noticed they were doing the same thing to my card. The charges were disputed. All of the money was returned, however, I have read so many complaints online about this same situation. This needs to stop. This isn't right.

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 2018-10-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank 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 monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Yhis Company has called and called and called and We are sick and tried of being harrased by their calls at latet hours and early hours. When a class action suit is brought against them I want to be part of that class action suit! I do believe they are going by our last name and conffusing us with others in my Family.

Pleas shut this company down and all other that are out to harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, my mortgage bank : XXXX sent me a written notice informing me that they have transferred my mortgage account which I have had with them since XXXX, to another bank : XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX provided me with a XXXX new account number : XXXX for me to use in my upcoming dealings with XXXX and to pay my next month 's mortgage. About a week ago, I received a notice from XXXX, a credit score maintenance entity, informing me that EQUIFAX has reduced my credit score. Upon my follow up with EQUIFAX, I found out that they listed my mortgage with XXXX as fully paid and therefore the mortgage account as a closed account, and according to EQUIFAX, such event resulted in lowering my credit score by 6 points! 
I contacted EQUIFAX right away and supplied them with all information showing I never paid off my mortgage and XXXX transfer of my mortgage account to another loan servicing entity ; I also provided them with the new account number of XXXX ( XXXX ). Im yet to know the result of EQUIFAXs follow up investigation. 
Since I have never paid off my mortgage, the mortgage account could not possibly had been closed as claimed by EQUIFAX, and as such EQUIFAX must correct its incorrect records to reflect the internal transfer made by XXXX   which I had nothing do with, and which according to EQUIFAX, affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We check our balance on XX/XX/XXXX and it had {$240.00} on the account we made some food transactions that were deducted. We checked the balance same day and made a deposit for {$300.00} on XX/XX/XXXX. We have attached our deposit slip. After that deposit we made a payment for car payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2003 Washington Mutual gave my elderly XXXX mom with no job a home equity line of credit of {$50000.00}. At the time she was receiving a monthly gift from my dad who was paying her alimony up until I was XXXX me being the last child. I am XXXX now. He was under no contract to pay her lifetime alimony. And she had an income of less than {$500.00} social security. She racked up up bill of more than {$14000.00} before I started paying her bills for her and figured out what happened. Nowadays no one would ever give an elderly XXXX person with no job a big loan. I don't believe she should have ever been given this money to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Today, I went online to make my monthly mortgage payment at Ocwen and I was surprised to find that Ocwen had instituted new policies with regard to how a payment can be made, without having received any of this information by mail, in advance. 

The issue revolves around a {$7.00} service fee that they have decided to charge customers to make online payments. Not much, but I felt taken advantage of because I was not informed of the changes by mail, email or any other method, in advance. 

The website claims that if I were to enroll in " paperless statements, '' that the {$7.00} fee would be waived. 

I called and spoke to an Ocwen representative who informed me that they, in fact, had NOT sent out any information about these changes, but were in " the process '' of doing so. 

To me, this seems completely unfair and wholly inadequate. In my humble opinion, they should be REQUIRED to inform customers of any changes IN ADVANCE of making such changes. 

The representative I spoke with suggested that the changes had been noted on their website previously. I asked if it was then necessary for me to monitor their website frequently to " catch '' such changes. She had no answer. 

Kindly look into this deceptive and unfair practices being made to squeeze {$7.00} out of each of their customers. 

Thank you, in advance, for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: ID

Complaint narrative:
I have never opened an account with XXXX XXXX. I have never signed a contract with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been getting a delayed deposit availability notice on my payroll check deposit slip since XX/XX/XXXX. The delay lasts 11 days with no funds available from the deposit for the full 11 days. I have been depositing this same payroll check for the last 14 years. I have been to the local Chase Bank several times for an explanation, but have not received a proper answer. The best they can do is manually release the hold if I complain. They will not supply any explanation for these holds. I am attaching a copy of my deposit slip from XX/XX/XXXX. It states funds will be available on XX/XX/XXXX. This has been happening for 9 months. I would like to know how they can keep the total deposit unavailable for 11 days without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Secured Credit card. I have opened up a secured credit card with this company this summer 2018. I have my 3 credit reports and Capital One refuses to report to XXXX Credit Reporting. I have called them 5 times and they refuse to comply with Federal Law and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX. 
I am a XXXX  % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account. 
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost. 
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX  XXXX ( RET. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I really do not know what I'm paying on. What is this loan from? I've been paying on this for about 10 years and the balance does not decrease. Where is the money going? What is this? This needs to be settled for a lower amount because it will never be paid in full. Is there a way to settle this account for 60 % a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NJ

Complaint narrative:
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! 
THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: OR

Complaint narrative:
My loan is NOT paid off. Huntington Bank is holding my title. I moved to Oregon, and contacted them on XX/XX/2018 and spoke to XXXX.. asked, per Oregon DMV , to have the title sent to them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX so I can tag and title my vehicle within 30 days, as required by law and my insurance company. I was also asked for my new mailing address, which i gave. I was told it normally takes 2-3, but I rush would be requested and it should arrive within 10 business days. On XX/XX/XXXX, received a call from XXXX, supervisor, stating they were unable to send my title to DMV,  because they didn't have my updated address. It was given again, was told tithe would be mailed on XX/XX/XXXX. By XX/XX/XXXX, title was still not received. I've called 4 times since, with broken promises of callbacks, and nothing. Told the title department isn't responding to emails. I've asked for email address, told was for internal use only. No direct line to call. Now, I'm 31 days. ... over a dozen calls, hours on hold and no title to be able to legally tag or insure my car. I've never been late on a payment. Feeling helpless ... worse customer service ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/2018 I received correspondence from JCPenny, XXXX XXXX XXXX, XXXX FL, XXXX. On the envelope it states, " Important Information about your account ''. On the inside their is among other things, a XXXX XXXX Section 1 : Rates and fees table, JC Penny Credit Card Account Agreement. I have never had a JCPenny account, have never authorized JCPenny to open an account, or authorized XXXX XXXX to open an account in my name at my address.

I think they are fraudulently creating accounts.

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 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
contacted TRANSUNION 10 TIMES BY PHONE AND BY FAX TO GET MY NAME RIGHT THEY SEEM TO NOT BE ABLE TO GET IT RIGHT My name is XXXX XXXX XXXX XXXX just that name may be you can get them to get it right thank 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 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
This company keeps calling my house repeatedly all hours of day and night. The one time I was able to speak with someone they would not give me any information. the women said we owe a debit and they are collecting, but my husband and I have lived here for over 30 yrs and we do not have any outstanding debit.

When I questioned them about it, they said it was for my husband and they would call back later. I explained we do not have any outstanding debit and if they want to clear this up they need to speak to me as my husband has no personal finance and I pay all the bills and have for 40 yrs. Now we are getting robo calls day and night with no way to get back to them. This is total harassment and I am sick and tired of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I opened a account with XXXX XXXX XXXX on XX/XX/XXXX the car was illegally repossessed in XX/XX/XXXX. Santander charged off the account as a loss. However Santander was still reporting the original balance of the loan even though the car was sold at a auction. I never received a XXXX nor a bill of sale from the auctioning of the car. Santander sold the debt & states that they no longer have credentials to it & for me to contact the collection agency. However there is no listed collection agency for this debt AND Santander is still incorrectly reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax 10 times by fax and by phone to correct my personal information { 1 } My name XXXX XXXX XXXX XXXX thats it nothing else. they have goverment I D 2 of them to prove its me Next for safty its addresss they keep listing XXXX XXXX XXXX  XXXX Ca I never lived there. next one is XXXX XXXX XXXX XXXX Ca Never lived there. I have5 inquires that I did not make I have had identity theft XXXX, XXXX, XXXX, XXXX Again, XXXX I did not make these They have copy of police reports all the way from 2008 remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is fasely reporting a account that is related to my identity. I havent done any business nor signed any legal contacts with this company. The company refuses to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief