vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
Ive requested 21st Mortgage provide me with all documents pertaining to the estate of XXXX XXXX XXXX several times Ive even had the probate judge issue a motion to the to provide all these documents. They refuse to provide me with the necessary documentation to reconcile this account for probate. They are beyond difficult and should be fined for disobeying the court system regarding this probate. I am the sole beneficiary, personal representative, executor, I am XXXX XXXX XXXX now. 

The previous complaint that you closed without resolving anything they sent you copies of things they have NOT SENT TO ME. Even if they did it doesnt resolve the issues I need resolved. The documents they attached is what XXXX sent DORA 21st mortgage did not. 

I have no idea who insures the home if I call home first for a policy Im told to call 21st mortgage who is listed on declarations pages as agent but XXXX answered DORA with a different policy than was sent to me by 21st mortgage. Their pyramid scheme of tipping people off is similar to this. 
XXXX XXXX - who wont talk to me XXXX - who sent a different policy to DORA than what 21st mortgage  sent to me. 
XXXX XXXX XXXX - who cuts the checks 21st Mortgage - who controls them all but remains evasive and passes the buck back to XXXX XXXX who cant send an inspector that knows his foot from his hand. And theyve all refused to do this correctly. 

21st mortgage is defying a court order to provide me with all the mortgage documentation and it needs to be done. 

Do not close this complaint because they attach something Ive never received they are thieves and will lie as quick as they will look at you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
In XX/XX/2017 I visited an emergency center for a XXXX XXXX. When walking in I was told my charge would be {$250.00} for them to look at my XXXX. As I was getting ready to see the Dr. ( the  place was new and completely empty ) the receptionist asked If I had insurance which I said I did but would pay on my own knowing the price. She ( the reception lady ) said give me your card and we'll run it through your insurance. After giving her my card they took me to a room where the nurse took my blood pressure and temperature. She walked out, then the Dr walked in, asked me what was wrong so I told him. He wrote me a prescription for pain and walked out without another word. I left! Then several weeks later I get a bill saying that the insurance company would only pay around {$250.00} and that I was responsible for $ 1000+. Infuriated because I was told originally the fee was {$250.00} I called the company that owned the medical facility and was told that I was now responsible for the remainder. This is a scam and I've heard the Attorney General in Texas, where I was living, has been alerted to behaviour such as this and were investigating. 
I said two words to the Dr. who was in my room for not more than 2 minutes, he did nothing, my insurance paid the medical company around {$300.00} and I'm getting stuck with the scam! This can be referred to as nothing other than a scam because I was at the beginning told the fee was {$250.00} and now the collector is attempting to rip me off instead of the insurance company. This needs to stop! Please stand up for me and others who are being taken advantage of, please stop this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: SC

Complaint narrative:
Im unable to upload this information via EXPERIAN.comXXXX im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have received dozens of calls to both my non-published land line and cell phone numbers from a telemarketer purporting to be variously from Experian and other credit reporting bureaus. My research indicates that many consumers are receiving calls from the same source. 

The incoming call is obviously " spoofed ''. As an XXXX XXXX professional with some 40+ years experience, I can state this with some authority. The caller invariably has a thick accent that indicates English is not his/her first language. The caller infers that they are in possession of my credit report and compliments me on my payment history. The caller then offers to lower my interest rate to 0 % and asks for my card 's expiration date ( " Just so we can verify that it's your card. '' ) When pressed for further information about the individual, company or offer the caller gives vague, incomplete and suspicious answers. When the caller is asked for contact information for his/her company such as the corporate headquarters address the only method of contacting their company seems to be via their customer service number : ( XXXX ) XXXX. 

Although I have not called this number, my research indicates that it is commonly given in connection with this suspicious activity. Many consumers have complained about this number through various fraud reporting and complaint sites on the Internet. They also describe further suspicious activity when calling this number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This company keep calling me. I asked to stop calling me because the person they looking for isn't me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Collection company LNVN funding is reporting a debt from XXXX XXXX XXXX  that hey purchased and reporting it as new debt and reporting late payments on my credit report.s to them. it is not my account and they have never solicited payment from me but are reporting monthly late payments on my credit reports. reported that on XX/XX/2015 i opened n account with them which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 2019-10-22 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, XXXX Chase Payment Card closed 4 of my accounts with unjustifiable reasons. I have been working in a XXXX XXXX industry over 10 years. On XX/XX/2019, I have processed few test transactions to assist a merchant that was experiencing a technical issue with Chase payment. The merchant has contacted our customer service regarding only Chase Credit Cards being declining on his terminal. The problem didnt go away although we tried all the trouble shooting methods. Thats when we decided to test sale with our own Chase Cards.  Coincidentally, 6 of my coworkers who attempted the test sales were terminated the next day. This negatively affected my personal credit score. I have been contacting the Chase but no further reviews were granted. Here is the time line : XXXX, XXXX Chase Representative XXXX, XXXX Chase Card Processing XXXX XXXX, XXXX XXXX walked in to Chase XXXX XXXX, XXXX Authorized XXXX and opened the case the Reference number is # XXXX XXXX, XXXX Chase Branch Esclation Center XXXX # XXXX XXXX, XXXX Received a call from XXXX , there is nothing he can do advised to call XXXX XXXX XXXX, XXXX explained again, still declined. Will review again but most likey decline XXXX, XXXX received a call from number XXXX the final review has finished and decision is not to reinstate. Advised below adress for legal proceedings XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX, XXXX Chase Checking account was breached. Not sure if this is related. 
XXXX, XXXX Spoke to XXXX, Account Supervisor. Explained on going Chase card issue. 
According to XXXX, the account closure is due to not enough history on file. 
Provided Senior VP XXXX 's phone number. XXXX received legal address which mentioned above ( XXXX ) I am hoping to reinstate my Chase accounts and I can assure you that there is no risk involved with my credit cards. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MA

Complaint narrative:
Hello, My mortgage was recently transferred to Arvest. My first payment was due XX/XX/XXXX. 

I made my payment online and was assessed a {$5.00} fee. The payment was not late, and I did not use any payment service or speak to anyone by phone. I simply used the Arvest website. 

Nothing on the payment page or process said anything about a fee for simply making an online payment. Only when I went to the fees schedule did I see a {$5.00} fee for 'Payment by Website. ' First off, there needs to be warning that paying in a certain fashion will incur a fee. I have attached a screenshot showing the online payment process, and nowhere does it mention a fee. 

Secondly, I find it egregious that a mortgage servicing company can charge a fee for an online payment. This wasn't a late, rushed, or pay by phone payment. 

I have never experienced this at any other loan servicing company, and have used many. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: SC

Complaint narrative:
Im unable to upload this information via https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta, Im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I opened a account with Td to take advantage of checking bonus of XXXX. I did NOT go to a third party website and didnt click on any offer. I went to the td website. I selected the Convenience checking account to earn XXXX. The offer was on the website. If it wasnt I would have never open the account. I've called to verify this after opening the account in XXXX which can be verified by my call log. Then I called today the supervisor says I might of went to a third party website which completely false. I bookmarked the offer page from the td website and so to say there was no offer is misleading and is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice This was the website I orginally went too on XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My Information was used without my consent and fraudulent accounts was opened up using my name, credit cards, utility bills, phone lines, I have spoken to these companies numerous amount of times and explained the misunderstanding and even sent them proof and they haven't resolved anything in my favor, I am contacting you guys so you guys can assist me with this matter because these fraudulent accounts are hindering my credit score and life and is holding me back from moving forward with life.

( 1 ) XXXX XXXX XXXX XXXX {$1000.00} ( 2 ) XXXX XXXX XXXX XXXX {$120.00} ( 3 ) XXXX XXXX XXXXXXXX {$17000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Credit Protection Association, L.P.
State: PR

Complaint narrative:
I am a victim of identity theft. The companies " XXXX XXXX '' and " Credit Protection Association LP '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 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 2019-10-22 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: PR

Complaint narrative:
I am a victim of identity theft. The companies " XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 820+.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.

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