vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2018, I sent a letter along with documentation asking Experian to delete my old address and to update my credit report to the address that I lived at for the last six years ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX   ). Yet, I was advised by a CSR from Experian, that my profile had been mixed up with another individual and that my address was removed. I have been trying to resolve this issue with Experian since XX/XX/XXXX. In result, due to the negligence of Experian, I haven't been able to view my FICO Score on www.ficoscore.com, creditor 's have advised me that I don't have a credit profile with Experian, and I haven't been able to view a updated 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been having a problem with Chase in prepaying my mortgage. My loan has never been late. the only thing i do is prepay. I have had the loan for 14 years and just recently been having this problem.. 

I pay directly online thru Chase Website. I have an adjustable ( option arm ) and the Chase payment site gives me a minimum payment and 15 year payment option. i have been paying the 15 year option. The last 3 months it has been continuously misapplied. The system clearly gives me the month due and the payment options. I confirm and receive a confirmation of payment The problem is that when i look at the history to the account it shows as either prepayment or unapplied funds. But in every case it shows still due for the month that i paid. In other words i paid just recently XXXX payment as you will see by the documentation, but when i log back in the last two weeks it is still showing payment due for XXXX. This payment was made on XXXX. I have called 3 times to try and get this rectified. I have also had to call each of the previous months. 

I am told that the interest rate hasn't adjusted so i can't prepay my loan because they don't know how to apply it ... I said..the system gives me the payment available and i pay it and it confirms payment, so what is the problem..apparently the system is wrong ... i told them to then fix their online payment system it feels like i am being prevented from prepaying my loan and I am consistently calling to educate Chase team on how to apply my payment. There is a disconnect between the direct online consumer site and the servicing department and this needs to be rectified ... I have industry background so i know what i am looking at. But i feel for XXXX XXXX Consumer who has no idea as these kind of system glitches and errors could be costing them much many in additional interest. 

I asked to speak to XXXX XXXX but was not granted access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Was not notified of investigation status or results
Company: Risecredit, LLC
State: TN

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX   XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX  XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX  XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX  XXXX ( his  phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX  XXXX and it was confirmed the dispute was received. 
As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I owe child support which I have been paying out of XXXX XXXX. Plus I have been paying past due which they put into collection. Doesn't make sense that I'm paying it off, but it's not showing which is what michigan FOC is making me pay. It's showing on my credit that it's a negative account and showing I'm making no payments but clearly what I owe is shrinking. Experian credit company will not fix this problem that shows it in collections but not showing it's being paid off. I'm legally making payments to pay off the back pay based on the contract I have with Michigan FOC and shouldn't be impacting my credit for years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
American Express approved my application for a Business Platinum card with a sign-up bonus offer to earn XXXX MR pts after a minimum {$10000.00} in qualifying purchases within the first 3 months. As the facts ( with the attachments to here ) proved that American Express had posted qualified purchases and awarded associated points of {$10000.00} within the first 3 months to my account along with written chat confirmation in early XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and a phone conversation on XX/XX/XXXX with XXXX along with a concurrence by a supervisor who stated that my account did meet the qualified spend to earn a welcome bonus which will likely be posted in XX/XX/XXXX after the statement close, however ; I was recently informed via chat on XX/XX/XXXX that my account showed a spend of {$9100.00} without a detailed explanation of how the numbers were computed and that my account will not earn a welcome bonus. 

Again, as the facts with attachments proved that the American Express previously approved qualified spend and awarded pts associated with the purchases showing a spend of {$10000.00} within the 3 months, along with previous written and phone confirmation from Amex Rep that the account did meet the minimum qualified spend to earn the welcome bonus, I'd appreciate a review and correction to this issue in order to award the welcome bonus as agreed. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, we became aware that our credit report reflected a debt owed to ONLINE IN SV in the amount of {$180.00}. We had never heard of this company and had received no communication. 

On XX/XX/XXXX, my husband called to request the information. He was told that the bill had been sent to the house and not returned, and they would not send another copy. He question how he was supposed to settle the debt without the information, and the agent ( XXXX ) offered to take his credit card information over the phone. This, of course, is not advisable since we have nothing in writing. In addition, my husband wanted information in writing because we believe that the medical bill was never properly filed with our insurance company to begin with, and that should be how this debt is settled. 

On XX/XX/XXXX, I verified that this had never been properly filed with our insurance company. I called ONLINE IN SV, questioning this refusal by the company. I was also told that, per company policy, since the information had been sent, that they would not send another copy. I questioned how we were supposed to settle the debt without any information. I was told that this is their company policy. I informed them of my intent to file a complaint with the Federal Trade commission and at this point he offered me a " validation of charges. '' I questioned why this " validation of charges '' was not offered to my husband and he said that my husband had not asked for it. I said I had not asked for it either. He said that it was only because I was so " adamant '' ( his word ) that I was being offered it. Yes, I'm adamant, because there is simply no way for us to settle a debt without information. I again reiterated my intent to file a complaint. I hung up the phone and searched for more information on the company, which took some time because they have a purposefully generic name. I called back and informed an assistant manager that it is my belief that their refusal to furnish the charges puts them OUT OF COMPLIANCE. They claim that they sent one copy, but I never received it, so I do not believe that they did. If they did, why would they refuse to send a copy?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX  is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond. 

XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!! 

It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I purchased a bed at XXXX XXXX XXXX on XX/XX/2017 using their in-store credit card which is managed by TD Bank. The initial amount was {$2500.00}. As I understood it, there was a 0 % interest rate promotion for 12 months. I paid off {$1600.00} over the next 12 months, leaving a balance of {$900.00} at the end of XX/XX/XXXX. In my XX/XX/XXXX statement I was charged {$480.00} in accrued interest. I was not aware that interest was accruing ; this is the first time I have ever seen anything like this ; every other promotional offer I've seen has a zero ( or low ) interest rate for a period of time and then interest starts to be charged once the promotional period ends. Had I known, I would have paid this off in full over the 12 month period. I find this approach very misleading ; now when I go back and look at the statements, I can see in the small print language about deferred interest but as I paid this card online every month, I never saw it. I think either XXXX XXXX  XXXX or TD Bank are taking advantage of customers with finance approaches like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed this account entry with both the credit bureaus and Portfolio Recovery Associates alike. In XX/XX/XXXX, I noticed that Portfolio Recovery Associates had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my dispute to Portfolio Recovery Associates in my letters dated XX/XX/XXXX and XX/XX/XXXX. To date, Portfolio Recovery Associates has not responded with documentation that bore my original signature, correct address, or ledger of accounting history to justify this amount for this entry. This alleged debt lacks veracity as well because the correspondence states an amount that differs from the amount reporting. See attached documentation. 

It is evident that Portfolio Recovery Associates is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entry. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: GA

Complaint narrative:
There is no contract ; account was settled with original creditor, yet remains on my report ... grave error XXXX XXXX XXXX XXXX XXXX-XX/XX/2017 {$31.00} ( You have NOT provided me a copy of ANY original documentation required under Section 609a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-07-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: FL

Complaint narrative:
I received papers via mail XXXX-18 stating I was denied for a house loan {$92000.00} that was filed on XXXX-18. I never filed for a house loan or any other loan for that matter. I notified the company and they are pulling the call That was made and will be contacting me back. 

After filing a complaint with the company and speaking with someone they never contacted me back about the situation, then today XX/XX/XXXX I receive information stating I'm aware and basically realize that I did file the loan. No one still has not contacted me back about this to let me know anything that happened. I was told I would be receiving a call back once the call was pulled in which never happened. I want someone to explain to me what is going and why I am not being called about this? I did not consent to anything nor Have I filled any loans out online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX  with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.

Company response to consumer: Closed with non-monetary relief