vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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:
Experian is reporting a fraudulent collection account on my credit report with XXXX XXXX ( XXXX ). I have never had a XXXX account nor authorized any transaction with XXXX. I disputed this account in XXXX, 2019 and it was deleted XX/XX/2019 however Experian reinserted this account. I was never notified by writing pursuant to FCRA section 611 that this deleted fraudulant account would be reinserted to my credit report which is a violation of my consumer rights. I am starting to believe Experian is intentionally being noncompliant and negligent and if this matter is not resolved expeditioulsy I will be filing a civil lawsuit as my next and final step.

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 2019-09-16 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: IL

Complaint narrative:
I am about 20 days behind on my discover card payment. Never 30 days late. Discover is calling me 5 times a day often 5-6 days a week. I have requested to be called no more than once a day. Discover will often fill my voicemail box within two and prevents me from receiving messages from other callers. I have attempted to speak with discover concerning this matter. The last time I called discover a supervisor placed me on hold for two hours. This type collecting is harrasing and  impedes my daily life. I have attached the last couple of days of calls, I can provide a detailed call history of this harrasing behavior. Can you please help resolve this matter with discover?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank decided to place my account on a " restricted status '' because " they no longer want to do business with me '' after a disagreement on XX/XX/2019. I had {$1600.00} in the account at the time. Chase Bank refused to pay and honor the checks and transfers I had authorized and debit them from the balance, instead returning all of my checks and transactions, even though there was more than sufficient funds in the account to cover these transactions that were completed before the bank decided to " restrict '' and " close '' my account. To refuse to pay items that were issued in good faith and with honor and integrity, when there is more than sufficient funds in the account to cover them, is nothing short of a XXXX move and if it isn't completely illegal for the bank to honor a check written in good faith with the available funds in the account to do so, it should be. 

It isn't legal for me to write a bad check. How is it legal for Chase Bank to refuse to pay a check that I wrote against the funds available in my account? About to be closed, or otherwise?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: OH

Complaint narrative:
The amazon prime credit card ( provided by chase ) will sometimes offer financing ( provided by amazon ) for items on amazon.com. 

I purchased a laptop to run engineering simulations on and after a tremendous amount of work to get it ready, placed it in my lab at the XXXX XXXX University. 

When I go to pay my bill I see I am charged the full amount ( ~ {$1000.00} ) on my amazon prime credit card. 

I asked amazon about it and they were unable to do anything about it but agreed to escalate to someone who can. I did not hear back from them so I called this morning and an honest employee said that they will not switch over to a payment plan for me. I was able to verify that I had selected the payment plan option, and they acknowledged that it is a somewhat common issue. 

This is a massive problem. Amazon shouldn't be able to control sales, shipping, financing so they can offer deals and welch on them with 0 protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is DIVERSIFIED CONSULTANTS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED CONSULTANTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED  CONSULTANTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED CONSULTANTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED CONSULTANTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED CONSULTANTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/2019, I applied a XXXX XXXX Credit card, and this credit card had welcome bonus offer which spending {$1000.00} within 3 months, and earn XXXX XXXX XXXX  points. There was no any pop up box to informed me that I may not eligible for the welcome bonus. Therefore, I was continued to submit my application. In XX/XX/2019, I meet the spending requirement which spent over {$1000.00}. However, I haven't received my welcome bonus points of XXXX Honors points after the statement period. I called the American express customer service department, and try to figure out the reason. They opened a case for me on XX/XX/2019. The case number is XXXX. However, I called them today XX/XX/2019 to check my case status. The American Express responded me that the case has been closed, and they could not give me the specific reasons for declining my welcome bonus offer. Based on my history in American express, the XXXX XXXX credit card is my first personal credit card, i never had this credit card before. Also, When i submitted my application online, the american express website did not pop out the notification to inform me that i may not eligible for the welcome bonus offer. It is unacceptable that the american express declined my welcome bonus offer after i meet the spending requirement, and did not inform me when i submitted my application. The American express do not behave or act in a honest way to his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have been charged a Draft Fee based on the following schedule without notice by MyLoanCare/XXXX : One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} I was not notified a change in charge for a online payment fee. This fee was not on the original agreement, or any other agreement that I have signed. In my statements, the document reads that I have up to 16 days till a late fee in is incurred, which is what was agreed upon for the loan. The Draft Fee that XXXX is imposing it just a disguise for a late fee.

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 2019-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of 2019 a hard inquiry was ran on my credit by XXXX XXXX XXXX XXXX XXXX. I have contacted the global fraud department for that company and equifax and XXXX as well. XXXX XXXX XXXX has no record of pulling a hard inquiry on my credit report and equifax will not help me unless I file this complaint. XXXX XXXX XXXX has also not helped and gave me false information about a reference number from equifax that does not exist with equifax and none of the agencies are helping me nor have a record of my hard inquiry being ran on XX/XX/2019. I have know where idea where to go from here thank you Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called XXXX and transunion. Under XXXX  my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXXcard shows as good credit and is revalving credit until XX/XX/XXXX so i tried calling 3 times, to XXXX and in past tried callong transunion and XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This complaint is about tricks and techniques being used by a Mortgage Company to take away a piece of property occupy by an elderly man and XXXX children a girl XXXX years old and a boy XXXX years old after their mother passed away in XX/XX/2019. 

The type of problem that I am having is the Mortgage Company is charging some fees in advance without any research about how much money we have coming in the house which for years we have been participated in some programs and what the numbers are that's what they are, and after being giving us several payoffs, now they try to change their minds by forging numbers. 
And also try not to recognize me as the owner on the deed. After death of my wife which I have been always the payer for the Mortgage, now they are charging many junk fees by raising the Mortgage Payments and they told me that I am not authorize on the loan and also they don't want to accept payments from me and I have been paying for near 15 years. 
What happened They need to foreclose on us by forging numbers, jacking the balance of the loan, blocking my monthly payments, telling me that I am not Authorize on the Loan. many Documents I sent always come short. PHH Mortgage an Ocwen Mortgage Company. I just made a payment on they Website, they took down our page so we wouldn't be able to make payments so they can foreclose take our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SD

Complaint narrative:
XX/XX/2019 - I'm an XXXX veteran with a service connected XXXX. I made a XXXX tip after paying for the XXXX while in XXXX CO. The card and account was locked due to the XXXX transaction. Contacted the TD Bank, XXXX, NC and the customer service department number on line regarding the error in locking the account. Verified all my information. My account was opened in XXXX or XXXX and the telephone number and email addresses have changed since the account opening. They indicated they could only text the new passcode to my old number ( which I no longer have the phone ) or I had to physically go to a TD Bank. The closest TD Bank from my new location ( XXXX XXXX, SD ) is 24 hour drive one way to NC. I do not have funds since they locked my account to drive, feed my family or pay my bills. This is causing extreme hardship, anxiety and stress. After explaining to supervisors of the call center and local bank they still insisted I had to physically go to TD Bank and there weren't any options to mail me a form to update and get a new passcode to access my account or have it unlocked. 
XX/XX/2019 - Again contacted the consumer contact number and the local bank to again try and explain the situation and the locked account. They indicated they verified who I was ; however, since the telephone number was no longer a valid number I would not have an option to receive a passcode. They indicated they could not email a form, accept verification from another Bank of my identification or wire my funds. Only option they kept stating was to physically go to the Bank. This is causing an undue hardship on my family and myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: MA

Complaint narrative:
On XX/XX/19, I opened a new credit card account with XXXX XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted Experian on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and Experian had no remedy for me. I also contacted XXXX XXXX   XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.

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 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to cash a check written from XXXX XXXX on their account at Bank of america Bank of america refuses to cash this check stating its over their check cashing limit since i do not have an account with them or any other bank i dont think this is a fair policy for a bank not to honor their checks even with proper identifacation

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am XXXX XXXX. Post XXXX and XXXX XXXX XXXX  Veteran VA File No. XXXX looked at all three credit reports dated XX/XX/2019 from transunioun XXXX andd XXXX and Not only do i have negative information that has not been automaticaly removed after 7 yerars but also i have estimated at least 20 inquiries that has really lowered my fico credit score to below 524. I cant even use my va housing gi bill to buy a home with and i have the chapter XXXX post XXXX / XXXX benefits. I am living in a veterans dorm shelter in XXXX Nevada full of XXXX and XXXX. The Inquiries alone have been on my credit reports for years. All I am trying to do is get a starter unsecured credit card so i can rebuild my credit and have all negative and inqireis immediately removed so i can at least get a XXXX to XXXX fico score that is needed by the veterans admininstration to buy a home as a XXXX   veteran. Here is the inquiries list. And also some of these was done without my immediate knowledge. 

Here we go 1. Auto finance inquiries within 24 mos 7 2 Auto finance inquiries within last 7 years 8 3. cash advace inquiries within last 24 mos 7 4. Cash advance inquiries within last 7 years 16 5 All alternative credit inquiries within last 24 moa 14 6 All alternative inquiries within last 7 years 24 7 paid payday loans within charge offs within 24 mos 2 8 All paid charge offs within last 24 mos and 7 years 5 9 All open charge offs within last 24 mos 2 10 ALL Open charge offs within last 7 ywars 6 I am requesting if your organization can investigate and fix all problems. Tired of living the way i am living as a XXXX vet with no new car no home to buy on my gi bill and no starter unsecured credit card to start with. For all I did for this country I am living like this. Appreciate your assistence. My mailing address is : Mr. XXXX XXXX XXXX XXXX   XXXX XXXX Nevada zip XXXX. Tel no. XXXX Also i am having problems getting a credit report from XXXX and transunioun. once they clean all of this mess up can you have all three credit breaus mail me an updated clean credit report. Thanks again for all of your assistence

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 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
I purchased solar panels for my home using Mosaic financing. Upon selling my home on XX/XX/2019, the loan was transferred to the new home owner. On XX/XX/2019, an installment payment was taken from my bank account for the loan. I called Mosaic on XX/XX/2019 and was advised that they needed a copy of the deed to finalize the loan assumption. I sent in the required documentation that day and was told that the document was received, but needed to be processed. By XX/XX/XXXX, I still had not received any correspondence regarding the finalization of the transfer or the refund of the payment. I called Mosaic again and spoke to a customer service representative who I previously spoke with. He tells me that I will continue to be billed and that there is nothing he can do about my refund, even though the house has been sold and I have documentation of the lien release and loan transfer signed by the senior director of loan operations. We are approaching the next billing cycle and I should not be billed for a product that is no longer mine.

Company response to consumer: Closed with explanation