vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Notified XX/XX/XXXX by I.Q. Data International , Inc. that I have an outstanding debt with XXXX XXXX in the amount of {$540.00}. Notified I.Q. Data International, Inc.in writing and email that I am disputing the alleged debt as I do not owe it. Contacted XXXX XXXX about dispute and was issued a refund as it was a accounting error on their part. Refund Check Number XXXX in the amount of {$1300.00} dated XX/XX/XXXX.

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 non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Late processing of mortgage payments mailed in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start sending in payments certified mail. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for regular use of this late processing. This is the first time this has happened in over a year, however it did happen a number of times in the past on two loans of mine they were servicing. 

Email to PHH Mortgage below. 

I mailed a payment to you on the above account on or about XX/XX/XXXX and you did not enter it until XX/XX/XXXX. When I returned from vacation after XXXX, I found a late payment notice in my mail on XX/XX/XXXX. I immediately called up your call center on XX/XX/XXXX and made a payment by phone. As your agent could not mail me a confirmation, I went online and made another payment. You charged me a late fee for both payments. Then to my surprise, on my bank statement the original payment I made on about XX/XX/XXXX appeared on my statement on XX/XX/XXXX. 

My credit score ranges between XXXX and XXXX as I have not had a late payment in over 20 years on my credit report. YOUR COMPANY PHH MORTGAGE is the only one that for some reason can not enter payments when they are received. Im sure you want to blame it on the post office, however, I have five mortgages and your company is the only one to enter payment late apparently in an effort to gain extra income from late payment fees. 

Previously I had another mortgage with your company which fortunately you sold to XXXX XXXX. ( That company has never failed to enter a mailed payment in the four years or so they have had the loan ) On a number of occasions it took PHH MORTGATE well past the late fee period to enter my payments. It was so bad I started sending in payments certified mail and will now have to in the future once again. Perhaps you can explain why my three credit cards and four other mortgages as well as many other bills I have do not have trouble receiving payments I mail. 

Besides failing to enter my payments on time, you charge a significant fee for anyone to make a payment online or by phone, further padding your profits if this is done on a regular basis to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, Experian, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: OH

Complaint narrative:
My mortgage company has reported my mortgage account to all three major credit bureaus. Out of which XXXX and XXXX has reported my mortgage account on their credit reports. 
Experian on the other hand had failed to respond to the request of legitimate financial company who held my mortgage account resulting in missing my mortgage account in their 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 2019-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First of all, your categories did not cover my complaint. So it is actually none of the above I just chose ANYTHING to get to the next page. You guys need a category that is called customer service complaint. There is no way to talk to a real person at Experian despite the seven different phone numbers that they ostensibly provide to '' contact customer service '' it doesn't matter what you do you are dragged to the same rat Maze and given only two measly choices one is putting a fraud alert on and one is ordering your car there are no options to talk to an agent AT ALL!! Experian has something on my credit report about me that says my social security number was used with an old address of mine and when I read who the inquiry was it was something I did not understand and that I needed Experian to translate since the title of the inquiry was some initial, XXXX a couple of other words, and then the word experian ... despite two hours of searching on the internet and everything I could find the same 800 numbers for Experian from their website telling me to reach out to them through XXXX or XXXX or some other kind of nonsense. They need an 800 number that actually works, that one of the options is to talk to an agent. That they have so much of my personal information and they're getting paid to do a job and with no way of anyone to actually speak to them.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : 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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a conventional mortgage with Third Federal Savings and Loan. My application was denied. My loan officer was XXXX XXXX ( NMLS XXXX ) who called me to share this information with me and said the reason was because of a settlement that I made on a 2nd mortgage I did back in XX/XX/2013. When I asked XXXX if there was a time frame until I can reapply again she told me " Probably never again ''. I asked her to please send me a formal denial letter from management and one was never sent to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I closed my checking account with Huntington Bank XX/XX/XXXX. After discovering they prevented another payment from going through, causing me to pay another late fee. Also in XX/XX/XXXX, I had gone to the Social Security Office for another matter, when I found that Huntington Bank had told Social Security that I had two checking accounts with them, I never had two checking accounts, Huntington close my checking account then reopened it, why they did that I don't know, I never got the answer. Their actions caused me a problem for me with the Social Security Office,  they thought I was deceiving them, that I had extra money I was trying to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have an XXXX credit card through Chase, opened XX/XX/XXXX. I have a 100 % on-time payment history for all my other accounts, so the fact that this card was ultimately closed over issues on their end when I kept trying to make payments, is very frustrating. 

I did let this account go close to 90 days past due ONE time while I was having health issues, because I did not realize it wasn't being automatically deducted like I had set up. I called in XX/XX/XXXX to address this - and here is where the issue is - unknowingly, I gave them my old account number off an old check ( from my checking account with my credit union ), and they CONFIRMED the account came up as " good '' and my payment would be deducted that month. I believe payments were due the XXXX each month. I waited the few days it usually took to come out of my debit account after the XXXX, but never saw a payment deducted from Chase.  So I called back to find out what happened and at this point my account was now 120 days past due in XXXX. They asked me to confirm my checking account information that the payment should have been pulled from - again, unknowingly, I gave the old check numbers, and once AGAIN they said the account was valid and my payment would be processed. It wasn't processed. This happened three months in a row, putting me 180 days past due in XXXX - even though I was trying to pay! After 3 months and nobody being able to figure out why my payments weren't going through, a manager looked and figured out the checking account was NOT active. So I got the correct routing numbers from my bank and they put them in, and then it showed up as " not a valid account ''. I just wanted to pay my bill, but every time I called I felt like I was getting the run around and nobody knew what to do. 

My account was shut off due to non-payment, even though I WAS TRYING TO PAY. They set up a payment plan, and I have been paying {$100.00} each month, on time, for over 2 years. And what is frustrating about this, is I was having to physically go into a Chase branch to pay my bill. They told me that since my payment didn't go through so many times when I was accidentally giving my old checking account numbers ( even though they said it came up as a good, active account ), that now there was a hold on my account and the new, correct routing numbers show as " not valid '' on their end. 


Bottom line - I messed up by being late those first 90 days due to extraordinary circumstances, but I was TRYING to pay my bill and was being told each month that everything was set to work and go through, and then it wouldn't. So my account was shut off even though I was trying to pay my bill. I have a great credit and payment history besides this one thing, so this whole situation is so out of the norm for me and I'm upset how much it has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX Services began calling my wife about a debt owed in the state of Michigan from a doctor visit on XX/XX/XXXX. We used to live in Michigan but moved in XXXX. We have not traveled back to Michigan since moving. I explained to the company that the debt was not ours since we have not lived or visited the state in nine years. They continued to call and send communications that we owed the debt. Each time they said they sent us an itemized bill, which they did not, and talked to the clinic who corroborated it was my wife. I asked for them to send me the bill, but they never did. I didn't hear from them for five months and then they sent a communication in the mail. I called back and was told the same thing as before. Each time I explained it was in error, they either hung up on me or said it was our debt. This last time, on XX/XX/XXXX, I was sent to a supervisor, but she has not called me back. This debit is not on our credit report. Each time I tell them this, they hang up. 

My wife gave a presentation in Alabama on XX/XX/XXXX. I have debit and credit records that show us using it in Alabama. They don't seem interested in any of that. This debt is not owed by us and we will not pay it. It's in error but XXXX is not interested in the truth. I would like them to stop calling and harassing us. 

I have attached the mailer that they sent. Also attached is a record of my debit card activity that shows my and my wife 's card activity on the day before the visit, the day of the visit and the day after. Which shows we were not in Michigan at the time of the clinic visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, XXXX, and Transunion to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft so I reached out to the 3 main credit bureaus Equifax, XXXX, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I owned a XXXX XXXX in nyc, XXXX XXXX XXXX transferred the loan to XXXX XXXXlast XXXX XXXX, I agreed the terms of the loan paying {$2700.00} monthly which is due every 11 of the month. I paid on time XXXX, XXXX, XXXX and XXXX XXXX.Now they gave a website to register to see my payments there are two acounts under my name one shows 6.25 % interest rate, I have the loan with only 5 % for 5 years called several times to no avail.I did not get any statements of the payment, I do not know where my money, instead a woman from XXXX XXXX  call almost every day insisting that there is money that I owe which is not truth Website shows numbers which is hard to figure it out ej, penalty .... late payment ... ..not received ... ... interest payment {$2100.00} I> I have another morgage from my house I can see clearly interest payment principal and total.This bank acts kind of shady. 
please help me to resolve this problem I am a senior and not feeling well Thank you Very much if copies of checks is needed and other information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : 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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not have enough time to review the documentation that I have submitted, but they came back and countered my offer and when i give them a contract for the amount that they countered now, they do not have enough time to review. This is ridiculous, and I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and a desire to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I lost my wallet on XX/XX/XXXX which contains one of the Credit card issued by Bank of America, at the time I didn't realize I had lost the wallet. On XX/XX/XXXX, I was notified by BOA online website about two fraudulent charges made on the credit card in the amount of {$150.00} and {$500.00} on XX/XX/XXXX. I immediately flag the two transactions as fraudulent and reported card lost on their website. I also opened 2 claims on those two charges on XX/XX/XXXX. After I made the 2 claims, the next day I was temporary credited for the two fraudulent charges. 

On XX/XX/XXXX, I received a letter from Bank of America notifying me that the fraudulent charge in the amount of {$150.00} was indeed fraudulent, hence they credited my account for that amount. 

On XX/XX/XXXX, I received another letter concerning the other fraudulent charge in the amount of {$500.00}, they found that it was not fraudulent because the service/good purchased with the card had the correct billing address at the time of purchase, they deemed it not fraudulent. I was liable for the amount of {$500.00} My balance on the card was reflected with the outstanding amount due on XX/XX/XXXX, and I didn't have that amount of financial asset to pay off the balance due to the recent mortgage I applied back in XX/XX/XXXX On XX/XX/XXXX, I called Bank of America Fraud department ( XXXX ) about the claim denial of the fraudulent charges of {$500.00}, I further stated that I lost my wallet along with my card, that would explain why the billing address was correct then the charges was made. I asked to have the claim re-opened. I also inquired about what happens to the outstanding balance due to the claim denial, does Bank of America temporary credit my account for the charges while they investigate? They said no, I will have to pay it off or make minimum amount before XX/XX/XXXX and accrue interest. 

On XX/XX/XXXX, I called Bank of America Fraud department again asking what is the status of the appeal for the claim denial in the amount of {$500.00}, they told me that it was denied again. 

The due date of the outstanding balance is near, I am not able to pay the {$500.00}, it would require me to cut down my other daily life necessary expenses. 

I couldn't understand that the two fraudulent charges were made on the same day, it deemed on fraudulent and the other not.

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