vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Action Credit, LLC
State: TX

Complaint narrative:
Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: PA

Complaint narrative:
showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

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 2019-02-13 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: PA

Complaint narrative:
showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: KS

Complaint narrative:
I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
Calling my work 7 times a day. Wont state where hes calling from and when asked hangs up. Asks for me by name as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We paid off our loan with Ditech in the beginning of XXXX and had a balance in our escrow account which the Mortgage company said would be refunded to us within 30 days. Their system shows that a check was issued on XX/XX/XXXX but we haven't received it. We called a number of times and were told that it takes 30 days to reissue a check but we still have not received our money back. it is now XX/XX/XXXX and we still have not received anything. I did an internet search and it appears that there are a number of other account holders having the exact same problem with Ditech

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint is against all three credit bureaus it has come to my attention that after contacting two or more credit analyzing companies and offering my credit reports over to them for a audit review they have discovered that people in the same exact situation as my credit reports which has less than 5 credits on it I've noticed that their scores are at least 25 to 35 % pointwise higher than the above 's also they discovered that all three credit bureaus were ignoring their own rules and regulations when it comes to identity theft alerts and putting information on to credit reports without verifying the legitimacy of a creditor prior to in conclusion the above wishes to submit a audit review to have the Federal Trade Commission look into the unfair practices of these three credit bureaus pertaining to XXXX XXXX XXXX XXXX credit file over the last 5 years thank you for your corporation. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We were part of the mortgage crisis in XX/XX/XXXX. We ended up declaring chapter XXXX bankruptcy. We were discharged of the chapter XXXX, in XX/XX/XXXX. After hundreds of attempts contacting Citimortgage to get them to foreclose, on the property, our requests went unanswered. after the property sat vacant for several years, yet still in our names we decided to do a short sale in XX/XX/XXXX, we did a short sale, with the approval from Citimortgage and the help of a lawyer. 
Sine XX/XX/XXXX, we've purchased a new home. Now we have learned that an adjacent property is going to be developing a strip mall / restaurant bar. This will be directly attached to the back of our property, making what is currently a quiet suburban area, into a loud, busy annoyance to our neighborhood. 
Due to this, we want to move, but because Citimortgage is able to report the short sale for up to seven years, we do not qualify for a new mortgage. We feel this to be completely unfair, if Citimortgage would have followed through with the foreclosure in XX/XX/XXXX, as requested, we wouldn't be in the situation we are in yet today.

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 2019-02-13 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 — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
My Continental Finance credit card was closed, because I could not pay the bill. There was a {$500.00} limit with a {$700.00} high balance. When I was able to pay the bill, the account was sold to a collection agency, XXXX XXXX XXXX. I settled the account for over {$600.00} with XXXX XXXX. This company closed, and did not report my account as settled. I called Continental Finance to inquire why they haven't updated my account as paid to the credit bureau. They said that they do not handle my account. XXXX XXXX XXXX handles my account, and gave me the number. I called XXXX XXXX XXXX, and they verified that the account was paid off, and provided me a letter to give to the credit bureaus. XXXX reported my account as written off after my dispute. I disputed it again, because it was paid off. They said that Continental Finance MTOB is reporting it as closed after the dispute, they sent them the documentation from XXXX XXXX XXXX. My problem is that I paid the account, and it is still hurting my credit with a balance showing that it was never paid. If I dispute it, the credit bureau should show the company proof that it was paid, and annotate my account accordingly. They should not tell me there is nothing we can do about it when I paid over {$600.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: NC

Complaint narrative:
Experian has refused to remove bad debts when they say they will. Been getting my credit reports every year they all say the same thing on when they will be removed now they jacked up my bad debts XXXX extra months. Why?

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is against all three credit bureaus it has come to my attention that after contacting two or  more credit analyzing companies and offering my credit reports over to them for a audit review they have discovered that people in the same exact situation as my credit reports which has less than 5 credits on it I've noticed that their scores are at least 25 to 35 % pointwise higher than the above 's also they discovered that all three credit bureaus were ignoring their own rules and regulations when it comes to identity theft alerts and putting information on to credit reports without verifying the legitimacy of a creditor prior to in conclusion the above wishes to submit a audit review to have the Federal Trade Commission look into the unfair practices of these three credit bureaus pertaining to XXXX XXXX XXXX XXXX credit file over the last 5 years thank you for your corporation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card was cloned and used to cash {$10000.00} worth of fraudulent checks in XXXX XXXX, California at a Chase Bank. I Immediately report this fraud to Chase and they started an investigation. This was elevated all the way up to the executive office in XXXX XXXX, Texas. We were not in California at the time and always had the debit card in our possession Chase has concluded that I am responsible for this fraud committed against me and has taken steps to liquidate all my assets they were holding in addition to pursuing additional collection activity. I am also looking into retaining an attorney to possibly litigate against CHASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate. 

I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame

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 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I recently went through a divorce and my credit and finances have suffered. Everytime I get a little bit ahead on my Citi-Bank credit card they drop my limit negatively effecting my credit utilization and debt/credit ratio. They've decreased my credit XXXX times in the last XXXX months and each time drop the limit almost exactly to the amount owed. I've tried to contact them about lowering the payment so that the finance charge won't push me over the limit but they've been very hostile and unwilling to work with me. I spoke with a representative in the credit department and he kept mentioning my accounts with other companies as the main factor and was using an outdated credit report.

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 2019-02-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXXXXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2014? How is this accurate? 
There should be no past due on a collection account yet Experian lists a past due amount of {$420.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I was sent a letter by Americor to settle my debt in XX/XX/XXXX. Upon having the initial phone conversation with them I was sold on them helping me get out of debt fast with low fees. The amount of fees was not told to me up front, I was told their fee was 20 %, then upon my cancelation I was told its 25 %. I canceled my account in XX/XX/XXXX and was told by Americor management that I would receive about {$2100.00} refund. When I contacted ( XXXX ) their 3rd party they informed me that I was charged a cancellation fee and I would only receive {$300.00}. I had an automatic payment processing after I closed and was told I would receive that as well as funds remaining in my account which was about {$700.00}. I have been ripped off by Americor and want to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a pre-approved credit card notification from XXXX XXXX for my XXXX year old. I am concerned that someone has stolen his identity.

Company response to consumer: Closed with explanation