vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine

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 2018-04-14 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: FL

Complaint narrative:
m disturbed that TranUnion and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/2018 and reapplied/put back on to my credit file today XX/XX/2018. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: FL

Complaint narrative:
m disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with 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 2018-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/17.. I did not authorize this inquiry

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 2018-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. 

I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.

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 2018-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank violated 18 U.S.C.A. s 1341, UNITED STATES CODE TITLE 18. CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES, CHAPTER 63-MAIL FRAUD, SECTION 1341. Frauds and swindles,. 

i. Banks knowing and willful violation of contract by charging excessive alleged late fees ; some instances they charged over {$200.00} when the contract clearly states {$25.00} is the maximum ( if proven late ). 
ii. Bank adding the same fictitious late dates iii. Bank violating agreed interest rates iv. Banks violation of Fair Credit Reporting Act due to the banks violation of i-iii How is an item both PAID IN FULL and a CHARGED OFF? We paid the item in full. 

Paid, or paid in full, is the term applied to installment accounts, like car loans, when after the last payment is made and you have completed repayment of the loan as agreed. In both cases, the terms indicate a final status, meaning the account is no longer active and can not be used again. 
An auto loan charge-off represents an amount that the bank or other lender assesses as an outstanding debt from someone who has bought a car, truck or other vehicle on credit. Banks find the charge off amount by taking back the vehicle, reselling it, and sending the resulting amount, minus the sale price of the vehicle, to collection agencies for further attempts at collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Two years ago Chase closed my business account because we are minority owned and we deal mostly with minorities. To make matters worse, they held cleared funds for several months and did not tell me about stop payments that customers had made and cost my business thousands of dollars in lost customers. When I filed a complaint with CFPB Chase sent a certified letter to my house telling me never to go into one of their branches or it would be considered trespassing. 
Today in my mailbox I got a flyer offering me {$300.00} if I would go to the branch at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL and open a business account. This flyer came from XXXX. XXXX XXXX in XXXX XXXX, TX. The code XXXX is printed on the front of the " Special Invitation ''. 
IF I am not permitted to go to a branch, why are the thugs at Chase terrorizing me by sending literature to my house? To make matters worse, I do not conduct any business out of my house and I certainly would never give XXXX XXXX like Chase permission to contact me there at my home, an address you have sent me things at before. 
During the time my business, XXXX XXXX XXXX XXXX, had an account with Chase we never had a single time we were in the negative and they earned thousands from us in fees. CHASE closed this account not me. Now they need to leave me alone and stop sending my business things in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After providing them with their own internal file number for me, TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS IL XXXX XXXX SVR XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX # XXXX not mine XXXX XXXX # XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized TRANSUNION INTERACTIVE XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX CO XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This debt has been sold off numerous times and I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My Equifax and XXXX  accounts vary by XXXX points. I have called equifax several times to discuss the fact that they do not show any of my current credit and they consistently tell me it takes a while for this to happen. Well I have been more than patient waiting around four months and still nothing. One account I can buy a car and the other I cant even buy a candy bar! Equifax also has listed a debt which was paid and was supposed to be removed. I am beyond frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
Calling my parents house for a loan I dont any money to. Who like for the unwanted calls to stop if theres nothing I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have never been late with this account, but they gave reported an account as late. This is severely affecting my credit and is hindering me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: VA

Complaint narrative:
XXXX  XXXX XXXX Submitted an amount of {$680.00} that was supposed to be paid by XXXX   XXXX due to their driver 's negligence. My insurance paid {$500.00} of the {$1100.00}. I submitted a complaint to XXXX  and the matter was taken off my credit report. Equifax 's website would not allow me to submit a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had an issue with Bank of America charging the wrong account when I make a payment. 
My credit card accounts only have ONE pay from account. I have had to delete old accounts at least three times when they have reappeared. 
On XX/XX/XXXX - I made my regular payment.

On XX/XX/XXXX - I logged into my bank account and there was a note that Bank Of America attempted to withdraw from my spending account. This was previously the account that I had the XXXX  money withdrawn from - but deleted it from my profile. I then resubmitted the withdraw and confirmed it was from the correct account. 
On XX/XX/XXXX I was charged {$27.00} for a " returned check fee '' - even though it was not a check. 

This has happened several times and I have confirmed that all other pay from accounts are currently deleted. A customer service rep told me last year that this happens when their system is upgraded and it pulls back in old 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 monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I have contacted this company and told them this was not my debt but they will not look up any information all they keep saying is it that there nothing they can do this is an online company I have not received any product from them

Company response to consumer: Untimely response
Consumer complaint received 2018-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.

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 2018-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Upon attending XXXX XXXX I was promised job placement, lucrative salaries and the ability to provide for my family. None of these things happened. I went for a certificate program that lasted 15 months. When I completed the program in XX/XX/XXXX I was able to test for my XXXX. I was told I should have no problem finding out job. That is where the lies with XXXX XXXX and Navient/ Sallie Mae began. My signature loan started out at {$6000.00}. The calls started coming in XX/XX/XXXX. I still didn't have a job after numerous applications put in. I was told I was eligible for a hardship forbearance. The loan capitalization and the repercussions was not explained. I had both federal and private loans. I was not offered a IDR. Nothing was explained. I finally got a job in XX/XX/XXXX. I have tried desperately to make and maintain my payments. In XX/XX/XXXX I was laid off. The beginning of XX/XX/XXXX I started back to school for my XXXX so I could be a registered XXXX. My school filed for a in school deferment. During that time all the interest capitalized again as I later found out. I thought the interest stopped until I was done with school. I graduated in XX/XX/XXXX. In XX/XX/XXXX I was involved in that car accident. I have not worked since. I filed with Navient because at one point my signature loan balance reached over {$13000.00}. I have tried to get them to reduce the balance since more than half is interest and fees. I have been unable to work since my car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
In the beginning of XX/XX/XXXX, I spoke with XXXX XXXX, my account manager and advised that Id received a check from my insurance company for roof damage and needed the correct process to get the check released as both my name and the mortgage company was listed. I was advised to start the " loss draft '' process. The first step was to send the check and insurance documents to a XXXX IL address, which was incorrect. A week later, I received a packet which instructed me to send the check and insurance documents to a XXXX Tx address which was done. I placed a follow up call on XX/XX/XXXX and was told by the same account manager that my documents were received and that I would need to send additional documentation as my claim is monitored due to default. I advised him that my payments are current ; which he agreed and stated that the system is showing the payment amounts in a suspended status. He explained that he had to reach out to the accounting department to have the payments applied. However, my loss draft claim/insurance check payment will be delayed as a result of the misapplied payment. In the interim, the repairs on my home are still in limbo-almost 2 months later. This is the 3rd time in less than a year that Ive had payment processing issues with Fay Servicing. Im not sure that this is legal. 
1.My ask is that my payments are updated in the system as expeditiously as they are withdrawn from my bank account. 
2. Please ensure that my insurance check is released within the 3 day period as with all good standing accounts ; which was outlined with my original documentation- 3. Please coach, teach and train your associates. " Im not in Loss Draft '' is never an acceptable response when a customer has an unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.

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