vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 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: IN

Complaint narrative:
I disputed several inaccurate accounts with Experian, XXXX  and XXXX  that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and Experian & XXXX repeatedly says this account is verified and accurate! 
( XXXX  did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Experian of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with Experian, XXXX  & XXXX   on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I must file a complaint against Capital One which mishandled my credit card account and caused negative information on my credit report. I am trying to refinance my house and purchase a business, the negativity on my card caused by Capital has put my plans on hold. 

In XX/XX/2019 I found fraudulent activity on my Capital One card, account ending in XXXX. I called Capital One immediately and told them to cancel the account and the card. I paid what I thought was the balance in full. Capital One sent me another card ending in XXXX which I never activated because I no longer wished to do business with Capital One. I believed that the account was closed and was paid in full. 

Earlier this month I was reviewing my credit report and discovered a Capital One Account which was started in XXXX and had been receiving regular payments. This account was not delinquent, but it was not my account. I called Capital One and was told that the fraudulent account was not mine and that they should would remove it from my credit report. At this time they told me that I did have an account ending in XXXX. I protested stating that I closed the account after paying in full. Capital One stated that the account was not canceled but suspended, running up late fees and interest payments. During this I never received any statements from Capital One, prior to my closing the account I was e-mailed by Capital One each month and made all my payments on time. I told Capital One that this was not acceptable, I was willing to pay whatever I owned at the time I closed the account but I was not going to pay late fees and interest payments. I was told by Capital One that they could not remove the interest payments or late fees. Capital One, a few days later, placed four late payments on my credit report, I called Capital One and was told that I had to take it up with the credit reporting agencies. 

So to recap, Capital One fails to close my account, they suspend it, dont tell me they suspended it, stop e-mailing me statements or mailing paper statements, run up months of interest and late fees and dont report it to the credit bureau until I call and inquire about another fraudulent account I discovered on my credit report. 

I only wish to have the late payments removed from my credit report, the account closed and to never do business with Capital One again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from 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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. 

The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TX

Complaint narrative:
Last summer, several charges appeared on my Chase United Explorer card. I did not make those charges, so I reported the issue to Chase as fraud. The bank initially credited the amounts, but later reversed its position and stated that charges are legitimate. In the meantime, however, I received new cards because transactions were fraud. These are the transactions ( account No. ending in XXXX ) : XX/XX/19, XXXX - {$24.00} XX/XX/19, XXXX - XXXX XX/XX/19, XXXX - {$1.00} XX/XX/19, XXXX - {$1.00} and {$38.00} The total credit should have been {$100.00}. It seems, however, that some of the reported ( illegal ) charges were credited - just not the above ones. This does not make sense. ( It is possible that some of this was credited, but I am not able to verify the items. There is a letter, though, that definitely, the {$24.00} charge was not credited. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Since it acquired my mortgage for servicing, Select Portfolio Servicing has continuously and consistently provided mis-information to the point where I am unwilling to speak with them but feel it is a necessity in order for me to work on correcting my delinquent mortgage amount and putting payments back on track I lost my job after an illness and when I applied to the mortgage company, XXXX, I was given no option except short sale and then the mortgage was transferred by XXXX to Select Portfolio Servicing. I've attached the latest letter to them trying to get the appropriate assistance in place for my hardship. I previously filed a CFPB Complaint # XXXX which this should replace as there is more detail and a better flavor of the frustration and unprofessional behavior that is being dished out by SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: IN

Complaint narrative:
I disputed several inaccurate accounts with XXXX, XXXX  and Transunion that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and XXXX  & XXXX  repeatedly says this account is verified and accurate! 
( Transunion did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but XXXX of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with XXXX, Transunion & XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!

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 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NJ

Complaint narrative:
I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: KS

Complaint narrative:
On XX/XX/XXXX I ordered a vacation package at a deeply discounted rate from a company called XXXX XXXX and paid with my debit card. I was told I had until XX/XX/XXXX to reserve the dates and take the vacation. At no time did they say it was a time share and that we'd have to go to their sales meeting once we arrived. Not that it mattered, as this company had no intentions of honoring the vacation package to most consumers, including myself, from what I'm reading based off consumer complaints on the XXXX   website. They have failed to return my emails and when I called the toll free number it directed me to email customer service. 
As soon as I discovered that I was the victim of a scam, like so many other consumers that have dealt with this company last spring, I notified my bank immediately that I wanted to dispute the charge on my account. 
The bank credited my account but then found that I had authorized the charges and denied my dispute claim. They took all the money I had in my bank account to cover the cost of the charge, again. 
So now I'm getting charged for a vacation that my family will never get to go on and my bank has taken all the money we had available to live on this week. I feel I have the right to dispute this charge and that I shouldn't have to pay for a service that XXXX  XXXX  isn't going to honor. I notified the bank as soon as I realized that there was a problem. I realize it was over the 60 day reporting period but I had no idea XXXX  XXXX  wasn't a reputable company and that I wasn't the first consumer going through this with the services they offered. 
I told my bank that although I authorized the charge it was still fraudulent as I haven't received the vacation that I paid for and I never will but apparently I will have to pay for it and now also have zero cash to get to work or buy groceries due to Chase denying my dispute claim and taking all the money available in my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
They trying to collect a debt i don't owe. The account was closed after 3 weeks of service and they trying to charge me a second month service. All the money i put dow for the device and taxes they never refunded. And now they asking me to pay more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  ), XX/XX/2019 ( XXXX ), XX/XX/2019 ( XXXX  ) Obtained from all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX Calls my phone and says has lower interest rates available for me on my credit card. I have hung up on several times but called back today and person who answered said was a private number XX/XX/XXXX XXXX called 2 times XX/XX/XXXX When you call back says number not in service XXXX call rejected when try to return call called 4 x XXXX XXXX XXXX called XX/XX/XXXX If you call number says not working number XXXX called 2 x on XX/XX/XXXX called 1 on XX/XX/XXXX XXXX Phoenix Financial called 2 x XX/XX/XXXX called 2 x XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I have a mortgage in good standing, which was sold to PNC Bank. Part of each payment is held by PNC Bank for Tax and Insurance Escrow. The escrow is set up by our choice, it was not enforced by the loan type. We have been escrowing for a number of years, but now I want to stop the escrow service. I submitted this request in writing and rcvd a response form PNC Bank requiring to pay {$340.00} by check to them as Escrow closing fee. 
Only after that they will refund the escrow balance of approx. {$2000.00} to me. I have never heard of charging a substantial fee to STOP providing the service. I have worked with local banks before and they have not charged anything to stop the escrow service. It seems that PNC is just abusing their power over the borrowers by making it extremely expensive to release cash they are holding on our behalf. It is banking 101, that the bank wants to keep as much cash as possible to leverage it for the lending and make higher profit. 
I called PNC Bank to complain in XX/XX/XXXX. PNC employee said there is nothing she can do about the fee, it is just a fee that everyone has to pay, but she would file a complaint. I have not heard bank as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
in XX/XX/XXXX I filed for a modification to get help because I was behind on my mortgage I had already filed a chapterXXXX prior to that every week I called in to check the status of my modification and every time I called they asked for some more information witch I gave immediately then in XXXX of XXXX my chapter XXXX payments were raised to were I could not afford them and was informed that if I did not make my XXXX payment that my chapter XXXX will be dismissed 1 week after the chaper XXXX was dismissed I was told that the modification was denied for every option that was available witch I could not understand and asked for clarity on the situation for a appeal but received very minimal information so I submitted what I could to at least inform them that I wanted to appeal there decision but haven't heard anything from bayview loan servicing yet but I do know that they have put a sale date on my home for XX/XX/XXXX I'm just looking for help and it seems that they are only concerned with taking my home i have beenin and out of the court system since XXXX with this same situation and been getting every door closed on me with no help even though i have documents that says that i have been wronged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
Threatened my credit score with an unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX JG Wentworth transferred my mortgage to Freedom Mortgage. I was out of the Country until XX/XX/XXXX and had not seen the notice. My automatic bill payment sent my XXXX payment to JG Wentworth on XX/XX/XXXX. I called Freedom Mortgage on XX/XX/XXXX to inform them of the mistake and spoke to their Customer Service Agent XXXX who told me not to worry about it that they would eventually get the payment from JGW. Since then I sent my payments to Freedom and they cashed my checks for my payment amount of {$1100.00} on XXXX and XX/XX/XXXX. They have been sending me late notices so I called them and they said they never received the XXXX payment and that I needed to call JGW. I called JGW on XX/XX/XXXX and they told me that on XX/XX/XXXX they sent my XXXX payment in the amount of {$1100.00} to Freedom Mortgage. The JGW agent XXXX ( id # XXXX ) confirmed the check # XXXX and XXXX tracking # XXXX. I sent this information to Freedom Mortgage and yet they continue to call me ( 3 times in the last 2 days ) to demand payment. 

My Freedom loan # is 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