vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
Contacted Experian numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX  XXXX XXXX 2 ) XXXX/ XXXX  3 ) XXXX XXXX XXXX  4 ) XXXX   XXXX  5 ) 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 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Management Recovery Corp. (NMRC)
State: ID

Complaint narrative:
XX/XX/2020 XXXX XXXX contacted my family through a voice mail stating that someone was going to locate me and present me with a claim and I had been notified. I never received any voicemail from anyone I called the phone my family member gave me and was directed to XXXX XXXX. 
They asked if a " locator '' had found me yet and I said no, she said that is good news I can still help. If they had found me they could not help me. 
They proceeded to tell me all this information they have about me and that I needed to make an immediate payment to stop the locator. 
I was terrified so I paid {$180.00}. and set up a payment arrangement without seeing any documents. The woman XXXX XXXX at XXXX XXXX told me I could only see documents IF the locator had given them to me. 

I received a payment arrangement letter from a company called XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ... I XXXX  this address and no such place existed at this location. I did call a XXXX XXXX that showed it was at the address and the man I spoke to said his XXXX  XXXX is at that address and he remembers that company having a mailbox 2 to 3 yrs ago but has not seen anyone since. 

I intend to call and cancel this payment arrangement and ask for my money back Phone numbers I have for this company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: GA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Experian in an attempt to have a negative remark removed from my report. The negative remark is legitimate, but I was hoping the creditor would remove it early. This account was a charge-off as of XX/XX/XXXX. 

The result of the Experian dispute was that the account and remarks were legitimate ( they are XXXX, however, the date of the charge-off was not only updated to balance due as of XX/XX/XXXX, but it is listed as an entirely new remark on my credit report. 

Experian says their results are accurate, but there is clearly a mistake, as I can not have two identical accounts on my report with different charge-off dates, nor can I suddenly have a late payment on an account that was already charged off. 

Experian needs to remove the new data as of XX/XX/XXXX on this account from my report, as it is not accurate. I am no longer responsible for this balance due to the creditor, and I did not have a late payment in XX/XX/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 2020-03-05 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:
Bank : Chase Product : XXXX payment. 
Problem : I received a payment of {$500.00} on XX/XX/XXXX from XXXX XXXX XXXX. 
Yesterday : XX/XX/XXXX money is gone from my bank account and its frozen. 

I didn't reach to Chase because everyone online wrote Chase will say : " talk to XXXX '', then Chase will close your account. 

Everyone wrote complaint with CFPB first and both sides will work it ... Thanks in advance. 

If anyone can dispute XXXX then why they promote it as it is strong as cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I sent a request for verification of debt to GLA Collection Co. Inc. in XX/XX/2019 after discovering two collections on my credit report. I notified them that I disputed the debt and requested that if insufficient evidence existed that the debt was my responsibility that they should notify the credit agencies and any other relevant financial institutions. They did not send verification of the debt, and my credit report from this XXXX still lists both collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: FL

Complaint narrative:
XX/XX/2020 - I received a message from Prime Recovery stating that I had a complaint being filed / pending against by their client. The debt collector specifically intended the message to seem like a " lawsuit '' was being filed and he had been hired by an attorney on behalf of this payday loan client. 

The message also stated that they wanted to allow me an opportunity to, '' provide a statement in my defense '' or that I should have my personal attorney call them back. 

The same message was left on 2 family member voicemails within the same hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Contacted XXXX numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) Bank of America 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) 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 2020-03-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Contacted XXXX  numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX XXXX XXXX 2 ) Sears/ CBNA 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) 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 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover card took money from me and is holding my money unlawfully. I have a secured credit card with them with a credit line of {$400.00}. On XX/XX/XXXX, I called and requested a credit limit increase to {$1000.00}. The person on the line let me know I needed to put up the additional {$600.00} since it is secured. On XX/XX/XXXX, the {$600.00} was taken from my bank account. On XX/XX/XXXX, I received an email from Discover saying they had increased my credit limit to {$600.00}. I immediately called and explained I requested the credit limit to be {$1000.00}, not {$600.00} and explained the additional {$600.00} has cleared my bank account. They tell me they only see a request for a {$200.00} increase. I let them know this needs to be fixed or refund me the {$400.00}. I spent over an hour on the phone. I spoke with one Tier 1 agent and 3 supervisors. The 1st supervisor called the bank on the line with me and the bank told them the {$600.00} had cleared. This supervisor tells me since a different department handles the credit limit increases then she has to forward my issue to them to research and that can take 48 hrs. I asked her what is there to research when we just called the bank and verified {$600.00} was indeed taken and not {$200.00}. She said that's the way that department handles it. They have to do their own verification. I asked to speak with that supervisor. So I was connected to supervisor # 2. She tells me there is nothing they can do except call me back in 48 hrs. I told her this is unacceptable since the 1st supervisor already verified with the bank. I also let them know there should be a recorded call from XX/XX/26 because the girl on that day read a script and asked did I agree to the {$600.00}. She was inflexible and kept repeating that she can do nothing further as she has to research it. I asked for a supervisor above her. She connected me to supervisor # 3 who said he is the highest in the executive office. I let him know my attorney will be contacting them. He said the issue still needs to be researched. I asked him to explain what they are researching. He said they need to know what happened and why it happened. I let him know " what happened and why '' is irrelevant to me. Discover already has my {$600.00} and is refusing to increase my limit. He provided me an email address to send written authorization to speak with my attorney about my account. This issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: TX

Complaint narrative:
We tried to buy a duplex in 2019, this mortgage lender promised us they can close the loan in 15 days and they had a loan we were already approved for. They charged us {$970.00} for the appraisal and continued to ask for more documents such as pay stubs, forms to be signed, etc. The loan was denied. The 15 days turned into months when finally we said that's it. We were promised a refund for the appraisal in XX/XX/2019. I checked with the broker on the status of the check in XX/XX/2019 which informed me it had already been mailed. I still have not received the refund and the lender will not return any of my calls or texts. I was speaking to a specific mortgage broker and he promised all of this. His name is XXXX XXXX MLS # XXXX ( XXXX ) XXXX and now works for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Miss XXXX from Prince-Parker & Associates repeatedly called me over 10x per day. She also called my parents home, and work. Over a medical  bill that was less than {$300.00} dollars owed. She was sending correspondence to the incorrect address and demanded a current address. When I refused on the phone and asked her to stop calling, and calling relatives she became belligerent on the phone yelling and raising her voice. Again, this is for a bill in total less than {$300.00}. I asked to be transferred to someone else and I was able to pay the bill with someone calm on the line. She bullied me, raised her voice, and employed poor tactics and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
Experian has not resolved any of the Identity theft that is still occuring on my credit report, I have contacted Experian Numerous times, and have sent in my Identity Theft Affidavit which is signed under Perjury. I do not have an Account with XXXX XXXX, They have already advised me the address they mailed the card to was XXXX XXXX XXXX, XXXX TX XXXX. Which is not my address, has never been my address. I have not lived there. I never received the card for this account, These accounts both for XXXX XXXX are identity Fraud. These were opened from a thief and used by a thief, I did not authorize these accounts to be opened, and I did not authorize the company to change the account number and resubmit it either. I am not liable for fraudulent debt, I am a victim of Identity Theft and these two accounts were opened from a thief and Experian refuses to investigate, Siding with XXXX because that's their Vendor. One was opened XX/XX/XXXX, and one was opened in XX/XX/XXXX. I received no calls to clear the Extended Fraud Alert on my credit file which specifically states I must be called. I did not authorize these accounts to be opened, and I do not do business with these merchants. Additionally, Experian is allowing a fraudulent inquiry on XX/XX/XXXX for a XXXX XXXX, Which I did not authorize this inquiry is also fraudulent. Again Experian doesn't allow me to call in. I have advised them via mail, and upload numerous times about the theft, and they refuse to investigate. 

Lastly Experian has a name on my profile under XXXX XXXX XXXX, That isn't my name and they won't allow me to dispute that either. 
Also the XXXX XXXX Credit card was stolen, and used for fraudulent transactions which is why the balance is showing as {$27000.00} this is not accurate. 
This is Identity Fraud, and These Two Accounts should be blocked, as I have stated the truth and swore it under perjury.

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 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
In XX/XX/2019 I was speaking with XXXX XXXX with Mr. Cooper mortgage. I wanted to lower payment and not have a payment in XXXX of 2019. I paid my monthly payment XX/XX/2019. We closed XX/XX/2019 and was told by XXXX on the phone that I would not have a XXXX payment because of the refinance. I made XXXX and XXXX 's payment on time and they have sent me to collections and hit my credit for no payment in XXXX. I have also racked up late fees as well. I have sent payment as of XX/XX/XXXX to bring current but want them to honor what was promised, fix my credit, clear all late fees, and return the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank had a promotion to open an new account. 
On XX/XX/XXXX, I opened the checking account for {$1000.00} and the saving account for {$49000.00}, total of {$50000.00} to be Priority costumer. 
They said keeping {$50000.00} for 60 days is eligible to get a cash reward of {$700.00}. 

After opening those accounts, I received the letter to tell that I have to submit my ID and a proof of my current address. On XX/XX/XXXX, I faxed my Driver 's license copy and one of my monthly payment which shows my address. 
After this, I received the application booklet in a mail. I applied it by faxing on XX/XX/XXXX. 
They told me to check my states calling the costumer service. I did few times, on XX/XX/XXXX, XXXX and more. One of my conversation with them, I made sure when the cash will be delivered and when I can move the {$50000.00} to a CD. They said the rewards will be after 60 days and I can move them to the CD after 90 days. 
I received the check book and the debit card some time later. I didn't activate the card right away but I did it on XX/XX/XXXX. On XX/XX/XXXX, I receive an email telling I am not qualified to receive the {$700.00}. I called next day on XXXX three times to get a right person who takes care of this matter. They explained I am not qualified because the transaction of money was on XX/XX/XXXX.It was required to do in 30 days after opening the accounts to be eligible. I talked with the supervisor, XXXX, on the phone to explain that all process were handled by them. It was not I could control of speeding up. My calls I made during the process, none of them made encouraged me to do faster. They know the time when they transfer money was already exceeded 30 days but they kept my money for 60 days. 
XXXX was nothing but robotic to talk to me. I said to her that you should shame of yourself working at this bank operate a scam.I got so frustrated to be treated this way so I cancelled my accounts at this moment on the call with XXXX and I got money back on XX/XX/XXXXwith interest of {$9.00}. 
I was under big shock being treated by big as Citi bank. I never had any experience awful as this in my whole life. 

Their address in envelop is : Citibank Citibank Client services XXXX XXXX XXXX XXXX XXXX, TX XXXX Other address : Citibank, N. A Atten : Citi Priority XXXX XXXX XXXX XXXX XXXX, TX 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 2020-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Good Morning, I have a very strange and particular problem which I have found no answers in a XXXX search. I will try to make it as short as possible. 

in XXXX got pulled in XXXX XXXX where I live. Forgot my purse and was ticketed and XXXX XXXX XXXX for Expired Drivers License and No prof of Insurance. Went to court and began to pay fines per month. Here is where the disaster begins. Lost my job and could not make a payment, ticket went to XXXX  and cost me an extra XXXX. After that the city of XXXX XXXX refers the fines to a collection agency Called Harris and Harris in XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX. Got back on track and began to make payments to Harris & Harris.. My fines were approx. 2,400.00 when it all began. Basically, 2 parking tickets, the Driving expired license, and No prof of insurance. 

Paid XXXX per month to Harris from XXXX to XXXX or XXXX. In XXXX a medical issues set me back and I called Harris & Harris to ask for a day delay in payment. I was told absolutely NOT. If they were not paid they Contact the court and have another XXXX  issued for failure to pay fines, which it totally understandable. 

Imagine my surprise when I received my tax refund and called the Courts to find out my balance. I was informed by the court that they have NOT received a payment on the Driving on the expired license, no proof of insurance SINCE XXXX. I have paid Harris and Harris over XXXX towards XXXX in total fines. They now say I currently own something like {$1600.00} on the expired license and XXXX on the no proof of insurance. The numbers from the Court show XXXX / XXXX total due. 

Harris & Harris had my birth date incorrect, my address wrong and does not have all the payments I have made. THey have not contacted the court, they took my money failed to pay correctly which ended up in a XXXX. They should be responsible for the extra charges inccured for payment I made to them, they just didnt pay the court. 

The level of stupidity is amazing, this is not my credit card but a court fine and my FREEDOM, I asked them to contact the court and for a full accounting two weeks ago and I have received NOTHING. The currently is a XXXX  fee, of XXXX for not making a payment when I have. 
What can be done here? I think at the very least my XXXX  fees incured because of failure, incompatence and or abject stupidity on behalf of Harris and Harris should be returned to me fourthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NY

Complaint narrative:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.

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 2020-03-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.

Company response to consumer: Closed with explanation