vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Originally This account was handled by  XXXX   XXXX   XXXX   XXXX   XXXX , in  XX/XX/XXXX , at some point it was transferred to the     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX  and was in deferred status but  XXXX  says that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  an d that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the   XXXX   XXXX   XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since  XX/XX/XXXX . Forward to   XX/XX/XXXX  t he old account has been closed and a new account has been opened and is being paid to a new company called  XXXX   XXXX   XXXX   XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX , Equifax and  XXXX  credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after a Hard Pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX, XXXX and Experian credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to    2015  -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my accou nt. ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to   XXXX   -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I needed to refinance my home loan, so I went to my lender but even though I am lower income the bank is not serving my loan request. The neighborhood is located in a mostly poor and underserved area with mostly lowered income buildings. According to  the Community Reinvestment Act, a federal law w as designed to stop discrimination in low income neighborhoods.

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 2017-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc
State: OK

Complaint narrative:
On  XXXX , I received a voicemail from an Inspector  XXXX , his company name was not given, from  XXXX . The same day  my Mother who lives in a different city was also contacted by him, he gave her my name and said I had violated Federal law and he needed me to contact him. She was very c oncerned thinking I was in some kind of trouble and called me in a panic. I assured her I had not broken any laws but called the number he left to get some answers. He answered, " This is  XXXX  ''. I told him my Mom and I had received calls, he already knew who I was and asked for my Social Security number. I said I would not give that info to a stranger and why did he need it, he said, " ok, I 'll tell YOU what it is '' and recited it to me. He then told me what the call was in regards to and mocked me saying, " so you just had NO idea you had missed payments ''? I said I was not oblivious to my personal finances, but that the lender and I had worked solutions out before and I was not behind to the degree I had been before when things were handled civilly. He then said I was accused of hiding my car, which is completely untrue,  I drive it every day, everywhere. He said if it was n't in the drive with a " big fat bow on it '' then I was hiding  it. My car is in my garage, like most people. He said he had a network of people tracking me and my license plate, ready to take the car when I least expected it, and that all of a sudden, at any point, " it will just be gone ''. He said I owed {$1300.00}, which I have not confirmed but sounds high. I said I would like to contact my lender directly to discuss the matter since they are who I had been doing business with since early   XXXX  . He said they were done working with me, that option was gone and I either had to pay the full amount or give up the car. He finally gave me a couple contact numbers at  XXXX  an d said to call them " right now and do n't stop until they answer. '' I called and they had closed business for the day. I 'm completely terrified to leave my house and my Mother is unnerved still. I can provide the voicemail and a testimonial from her if needed, please let me know how I can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowere d my my credit score cons iderably ( approximately  XXXX  poin ts ). I n the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries m y credit score is  around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowered my my credit score considerably ( approximately  XXXX  points  ).  In the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries my credit score is around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: OH

Complaint narrative:
I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that 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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with them nor have the ever provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CA

Complaint narrative:
There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  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 2017-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CA

Complaint narrative:
There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
See earlier complaint No  XXXX . Just received a letter from  Citibank  referring to some unknown research it wants to do and looks like it will for the 40th time attempt to delay forclosure sale scheduled for    XXXX   . After 100 months, it has had 8 years to do any research it wants and this is just another attempt to delay the sale to increase the amount the debtors will be assessed to pay over sale price. We are protected from paying because of bankruptcy and any attempt by citi will result in damages from the  Bankruptcy Court a nd it aware of this fact. The issue is we have to pay  XXXX  per month to maintain homeowners insurance for liability. We have paid {$40000.00} for this coverage and been denied any effort to obtain any mortgage on another home for 8 years and will be denied for 2 years AFTER sale so the unnecessary damage to my family  is a miscarriage of justi ce and violates the Bankruptcy intent to provide debtors who lost everything because of the   XXXX   greed of our " too big to fail '' institutions.     Please con vince Citi t o go forward with the sale on  XX/XX/XXXX . Do n't let its continuing delays harm us any further.     Thank 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 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.

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 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay  XXXX  and I only owed  XXXX  it is almost double on the loan amount. Loan shark. Date was taking out on  XXXX / XXXX / XXXX  not to be payoff til  XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Well I 've been a victim of robbery I tried reporting it to chase bank and the said that I need it to be sure and they keeps charging from my account and know I dnt have money and chase does t want to help all they say was well your account is close and yourve no longer making business with us

Company response to consumer: Closed with monetary relief