vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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: MI

Complaint narrative:
In XX/XX/XXXX I filed a dispute with Experian about an account on my credit report from XXXX XXXX  XXXX XXXX XXXX ( XXXX  ). 

In XX/XX/XXXX/XX/XX/XXXX I had ATVs on a loan through a Credit Union called XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX ). These ATVs were repossessed in XX/XX/XXXX, creating a date of delinquency of XX/XX/XXXX. This was never pursued by XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX  was bought out by XXXX and they charged off these ATVs in XX/XX/XXXX. They also falsely claimed that I made a payment of some sort in XX/XX/XXXX, which illegally re-aged this account. This account should have fallen off my credit report in XX/XX/XXXX due to the Date of delinquency being XX/XX/XXXX.

Due to this I disputed this account with all three credit bureaus. As of today Experian completed their re-investigation and this account was still on my credit report.

I attempted to dispute these with Experian again they wouldn't allow another dispute. This account should be time barred from credit reports and Experian continues to report it as being negative.

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 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Mr Cooper sends warnings that my mortgage has not been payed. I submit proof that it has been paid. An email arrives announcing that the monthly arrived. I receive letters and emails every month stating I owe the payment plus late fees. However, the payment is taken directly from my checking account twice a month by XXXX  and I show proof of the deductions every month.

I sent a certified letter to customer relations asking for help. There has been no reply.

I refinanced last XX/XX/XXXX. The previous lender Mr Cooper and XXXX deducted the payments prior to refinancing.

I just received a letter stating that a transaction on my account has resulted in us placing funds in an unapplied funds account. 
Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XXXX XXXX I transferred money ( {$200.00} ) to XXXX to my family using western union app as i have used it 3-4 time before same place same person. After the i got mail from the western union with all the correct information. The transfer was done using my bank account of sun trust to my sisters bank account in XXXX ( B2B ). the money has to appear to receiver bank account by XXXX XXXX but i waited, i thought it might take time. After a wait of 10 day on XXXX XXXX Saturday I called to the western union inquired about the money transferred and it happens to find out that money was transferred to wrong bank account in XXXX but the information i put and the mail from western union say correct details of everything.Then i called western union after hearing all my details XXXX  from western union make a case ID and gave me, tell me we will look upon it and will give you reply within 24 hour but no body responded so i decided to call them back and when i called on Monday they took all information and hung up on me. next day i tried again same thing happened. i tried today again and the again hung up. I am sending all information that i have please help me to resolve. 

Tracking number - XXXX case ID - XXXX My cellphone no. XXXX XXXX XXXX, Thank you. The payment for your money transfer has been received. 
It will be available in XXXX XXXX 's bank account by XX/XX/2018. 

If you have any questions, contact us anytime. 

Thanks for using Western Union. 

___________________________________________________________________________________________ This is your proof of payment for the money transfer below. 
______________________________________________________________________________________________ Your tracking number ( MTCN ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET Payment Method : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Delivery Method : Bank Name : XXXX Account ending in : XXXX Bank Code : XXXX Mobile Number : XXXX Street : XXXX XXXX XXXX XXXX : XXXX Sender : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : VA Country : UNITED STATES ZIP : XXXX Phone Number : ( XXXX ) XXXX Receiver : Name : XXXX SHARMA City : XXXX State : XXXX Country : XXXX ZIP : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Account type : CHECKING Payout Information : Today 's Date : XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Receiver 's bank account. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Receiver : XXXX INR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial is reporting an inaccurate late on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing this letter to dispute ( 2 ) TWO unauthorized charges in the amount of {$4200.00} on my account. These two charges that appear twice on my statement begin XX/XX/XXXX from a merchant by the name of XXXX Washington DC and extend to XX/XX/XXXX from the same merchant totaling {$8400.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Capital One customer told me that I can write a dispute letter. 
I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the disputed charges supporting my position. Please correct the billing error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I asked on XX/XX/18 why this company called my dad no reason. Then I asked to stop being contacted during my working hours 8-4 and they said they can not do that

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 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX about paying off my mortgage in full. I called three times, the first time on XX/XX/XXXX requesting written information about the payoff amount and procedure to follow to make payment in full. I was told each time that I would receive an email in days detailing the above information. I also sent a certified letter that was delivered on XX/XX/XXXX asking for written information about the process to follow in paying off my mortgage in full and the payoff amount. It is now XX/XX/XXXX and we have still not received anything in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late on 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 2018-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late on 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 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CT

Complaint narrative:
XX/XX/XXXX I landed in XXXX, F 17 lorida on XX/XX/XXXX. The purpose of my trip was to assist my sister who has XXXX  to find a place where she could get the help she needs. She was in rehab in XXXX, Florida. I was staying at her apartment on XXXX XXXX. On the way to her apartment the friend who gave me a ride and I stopped at XXXX XXXX  in XXXX XXXX. I paid for the dinner with my Iberia Bank Visa credit card. 
I was surprised when I received the Iberia Bank Visa statement that indicated a charge of {$210.00} at XXXX in XXXX XXXX XXXX on XX/XX/XXXX when I wasnt at the Mall. 
The signature on the sales slip was not my signature. In fact it was just a couple of what may have been letters and a long squiggly line. 
Twice I faxed copies of my explanation to the fax numbers they gave me over the phone, but have not received any word back. When I call Im told the disposition of the case does not show up on the screen. 
My contact has been Case Number : XXXX Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX GA XXXX Phone 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 monetary relief
Consumer complaint received 2018-07-17 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. American Express is reporting my account late for the past three months, American Express isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was pre qualified for a Kohl 's charge card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called Kohl 's and told them I was not happy about this and to cancel my application and remove the hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB continues to harass and call me after sending them a cease and desist letter by certified mail XXXX-2017 which is attached with certified receipt. I do not owe this company anything or anyone else. I have told the to stop contacting me as I will not ever be offering payment for a bill that is not mine. The certified receipt with tracking numbers is attached to confirm PMAB received the the cease and desist but they continue to ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

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 2018-07-17 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: TX

Complaint narrative:
XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

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 2018-07-17 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: AES/PHEAA
State: WA

Complaint narrative:
XXXX XXXX ( " XXXX '' ) has consistently and willfully failed to update my information to major credit reporting bureaus within a timely manner. They have failed to update in XX/XX/2018 and failed to include my monthly payments on my credit report. This has led me to be denied for several mortgage loans strictly because of XXXX 's inability to furnish timely and accurate information to the credit bureaus. 

My monthly payment should be listed at {$160.00} instead of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a XXXX balance on my Chase Freedom visa card. I inadvertantly made a {$1000.00} payment to my Chase card rather than my credit union card. A couple of days later when reviewing my online bill-payer, I realized what I had mistakenly done and called Chase. My balance was a {$1000.00} credit, so on XX/XX/2018, I called a customer service rep and explained the situation. They said that a refund check would be issued and I would receive it in 7 to 10 days. I did not receive a check. I called back and they said they would reissue the check. I still never recieved a check. Chase and I repeated this song and dance routine 5 times. Last week the representative said to call back today, Tuesday, XX/XX/2018, and if check still did not arrive, they would reissue another check or recredit the {$1000.00} to the card within 3 to 5 days and I could use the card until the {$1000.00} is spent down. So, of course, check did not arrive, so I called to customer representative supervisor XXXX XXXX. ( only identification he would give me ). I asked for the amount to be re-credited to the card. He said he couldn't do that, he could only issue another check. I said no, you never send checks. I want my card recredited like the rep told me last week. he said no. I said I will go down to the local branch of Chase and they can issue me a cashiers check. He said they can't do that. I asked to give me a tracking # when they mail the check. He said they can't do that. So here I sit with the promise from Chase that my overpayment check will really be mailed this time and should arrive around XX/XX/XXXX. That will be about 70 days since I first contacted them and 7 to 8 phone calls promising to send me my refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed a charge on my XXXX Chase credit card, because the merchant sent me an inferior product and when I attempted to return the item according to the terms I was told at purchase i.e., free return shipping, they refused to give me a return authorization form. 

Also, there are numerous reports against this company, XXXX. I have told XXXX Chase Visa that I have no intention of paying for the item, but they continue to add finance charges on the statement each month. I have ceased using my XXXX Chase Visa because they refused to respect me as a good customer. 

Just yesterday I received an invitation to extend my credit line with them because, as the letter indicated, I was a good customer. I have been a good customer of Chase and despise how I have been treated in this manner. I called XXXX Chase Visa and no one would transfer me to the letter writer. 

I want XXXX Chase Visa to cease sending me statements with XXXX and finance charges. I have repeatedly told XXXX Chase Visa that I will NOT now or in the FUTURE pay for this faulty item sold under false pretenses. 

Here is a list of some of the complaints against XXXX : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The below 20Hard Inquiries on my Equifax report were not authorized by me and are greatly negatively affecting my score. I have sent Certified Letters to each one and have not received responses in 60 days that these 20 were authorized inquiries. 
I would like these permanently removed from my Equifax report as soon as possible. 
Sincerely, XXXX XXXX XX/XX/XXXX 1. XXXX  - inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX 6. XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX. XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation