vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
They want to play games. So I will play them. Please respond with the requested documentation. I am asking that they send me the signed contract bearing the wet signature of whomever opened the account. I am requesting that all documentation that will stand in the court of law, outside of a invoice ( unacceptable ) be given to me per FCRA 623, & 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TX

Complaint narrative:
I've been going back and forth with Transunion and XXXX trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. XXXX stated that there is some sort of ID block or fraud, I contacted Transunion and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they XXXX have messed something up on transunions end and filed something incorrectly. They say the Transunion XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!

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 2020-04-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello good day sir / madam, I would.like to make complaints about american express credit card.I received a letter from.amex that i can refund my flight ticket and travel insurance and waive the fee, however when i spoke their representatives and supervisor they want me to charge for XXXX dollars cancellation fee even though i recw3 a letter from them. Attached a letter from amex that i am able to get full refund without fee or penalty. 
They cancel my flight because of covid 19 virus pandemic. 
I hope you can help me in this matter Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit AdjustersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Toll Free : XXXX www.ncaks.com I got contacted by this collection agency National Credit Adjusters, stating that I need pay this amount XXXX, The company stated that I took out a payday loan back in XX/XX/2012, and I never did. This is over 8yrs ago this is written off and they should not be contacting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: IL

Complaint narrative:
What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and one more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX just reported to Transunion and XXXX that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.

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 2020-04-07 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: IL

Complaint narrative:
What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and XXXX more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX  just reported to XXXX and Equifax that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
An old bill from a XXXX has been settled. 

The settlement documents were provided to the collection agency which sent a request to all three major credit bureaus to remove it from my report. 
XXXX  and XXXX have removed it. 

Experian refuses to remove the collection item from my credit report which is a violation of the Fair Credit Reporting Act, and or/ the Fair Debt Collection Act. 

I would like to pursue an official complaint with Experian and or legal action for this violation. 

Thank you 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 non-monetary relief
Consumer complaint received 2020-04-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've been going back and forth with XXXX and Chase trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. Chase stated that there is some sort of ID block or fraud, I contacted XXXX and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they may have messed something up on XXXX end and filed something incorrectly. They say the XXXX XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Quality Recovery Services in XXXX Ga has placed a debt not validated or owed on my credit report. 
The debt is unsubstantiated and the amount continues to change. First it was over {$2000.00} and within the last 30 days i have received a letter saying it's now {$1000.00} and change. It was not a settlement offer, just a new amount on a alleged debt that has yet to be shown as valid. 
i want them to stop contacting me and to take this off my credit report. They even went after my son and put it on his credit report and put him in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our Chase Bank Card VISA card and another VISA card were stolen from my wife 's purse on XXXX XX/XX/2020. On XXXX XX/XX/2020 we noticed unauthorized charges being made to one of the cards and immediately notified both banks. The other bank had cought the fraud, and denied purchase attempts after the first one. They reversed the unauthorized charge and issued a new card. Chase did issue a new card, but after a review, determined that we " received benefit from this transaction '' on three unauthorized charges made on XX/XX/XXXX for a total amount of {$19000.00}. We did not receive any benefit. We live two hours away from XXXX XXXX, where the unauthorized charges were made. 
We have communicated with Chase agents twice by telephone. Both times, the agent put us on hold to check something out and then we got disconnected. We have emailed twice to XXXX with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
Carter Young purchased a broken lease debt from the XXXX XXXX, that I don't owe. They claim XXXX dollars in damages and fees. I asked for documentation and proof of damages. None was provided. All they provided was a checklist completed by the property stating money owed and damages. They have no substantiating documents. No original lease or inspection. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - 52 charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

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 2020-04-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have reached out to Equifax, XXXX, and XXXX on providing proof of the verification of my bankruptcy and have not been provided anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have attempted to settle with this company even though I feel this account is not mine but they would not settle. I also attempted to write multiple letters to dispute this creditor directly through XXXX  in regards to the inaccuracies of the account listed on my credit report and they rejected the fact that my medical records have been shared with XXXX  credit bureau. I am very aware that this violates my rights to patient privacy and goes against HIPPA codes on patient confidentiality. Please speed up the process of them deleting this account on my credit report or I will have to seek litigation not against the credit bureaus but against the medical company whom reported these inaccuracies to XXXX. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested my free annual credit report online from Equifax through the website annualcreditreport.com. The site said that they are unable to provide it. As this error with Equifax has repeated each of the last seven years, I submitted a complaint on the above date with the CFPB requesting that my report be made available to me online each year. Please see Complaint XXXX for details. 

Equifax responded with a canned reply that seems to address a different complaint, but not mine, and then essentially the same error message I see every year on their web site. I responded with feedback, but when I submitted it I saw that the status of the complaint is " Closed ''. Apparently the complaint is closed once the offending company responds. 

Here 's a copy of the feedback I submitted : " Thank you for responding to my complaint. Unfortunately you seem to have misunderstood the problem. I did not report that there were " inaccurate or incorrect items reporting '' on my credit file, as your response states. I complained because you have not made my report available to me online for years. 

In your response you say, " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. '' I stated clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX. You were able to finally verify it and send me my report each of those years, there is no reason you can't verify exactly the same information now. 

In my complaint I requested that Equifax fix the glitch that keeps me from receiving my free annual credit report online every year. Your response is simply a repeat of the error I see when I request it year after year. Sending you hard copies of my sensitive information was not enough to resolve this issue ; it must be something else in your system that needs to be fixed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am a victim of a scam in which the seller never shipped me the item I paid {$780.00} for on XX/XX/2020. They said they shipped the item but demanded XXXX gift cards in order to activate the USPS tracking number. This is when I realized I had been scammed. Prior to realizing this, I paid through XXXX, which I accessed through my Fifth Third Bank account. I contacted XXXX and they said they couldnt do anything to help me considering XXXX is separate from them and I was aware of the transaction. It is extremely misleading when XXXX provides XXXX as an in-app service but is not willing to backup or investigate clear acts of fraud and scams. XXXX is advertised as a similar service to XXXX XXXX an organization that does provide transaction security ), and in the process provides a false sense of security to its users. If Fifth Third is going to automatically attach XXXX to my mobile banking account, they should more clearly specify that they are not willing to help in the case of a financial scam ( even though they should ). Instead, I was tricked by not only the scammer, but also Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid off a mortgage, and more than a year after I had not received a final statement of my account, until I received my Form 1098 for XXXX this year, which included a balance statement of my account. 
One of the entries in the statement details an Escrow Refund amount of {$3.00}, XXXX, which was never received. 
When we contacted the company to inquire about the check, they claimed the check had been sent on XX/XX/XXXX of this year, XXXX, and I should be getting it in about 10 days ; when the check did not arrive, we called again! 
This time their narrative was that they had made a mistake, and that the check had actually been sent last year, XX/XX/XXXX, so we asked that they provided a copy of the cashed check, then they changed the narrative yet again, saying the check had returned to them, and that they " would issue a new check and I should get it in 3 weeks ... '' In conclusion, they keep giving us the run around and they have kept the money for more than a year! So far, I have not got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out to XXXX, XXXX, and Transunion on providing proof of the verification of my bankruptcy and have not been provided anything.

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 2020-04-07 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: MO

Complaint narrative:
I have reached out to XXXX, Experian, and XXXX  on providing proof of the verification of my bankruptcy and have not been provided anything.

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