vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 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: LoanCare, LLC
State: IA

Complaint narrative:
On XXXX XXXX XXXX I made my mortgage payment to LoanCare in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. XXXX refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from XXXX indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and XXXX added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that XXXX did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. XXXX should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

XXXX has closed their investigation with incorrect information. LoanCare, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.

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 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello. I am writing to get help on unfair pratices used with credit and debit card checking accounts via chase bank. I recently authorized a payment in the amount of XXXX to a company called XXXX for credit repair services on XXXX XXXX XXXX, XXXX. I orginally authorized only XXXX} and when I saw the XXXX  charge, I called the representative at XXXX and they explained that they erroneously forgot to mention that an activation fee of XXXX would also be assessed. I saw the charge pending on my checking account via mobile banking on XXXX XXXX XXXX, XXXX. On XXXX XXXX, XXXX the payment was shown as posted and paid. I also used my debit card for other items as well during this time frame. I check my account regularly and noticed that all was well and I had no issues with NSF fees at all. On XXXX XXXX, XXXX my account had a positive balance of XXXX}. My husband sent me a XXXX payment of XXXX. I noticed that the funds later in the day was not shown as available after using my debit card for a purchase of XXXX. When I called Chase bank on XXXX XXXX XXXX, XXXX in the evening the representative stated to wait 24hours up to 3 days for posting since my husband sent from another bank and not Chase. Today on XXXX XXXX, XXXX the very next day, I checked my account and NOW see 3 NSF fee 's assessed and debits previously posted and paid now REVERSED because CHASE bank knew the charge from XXXX in the amount of XXXX had fallen off due to their rules I was told this morning that if a creditor does not accept their payment within 3 to 5 days from the date it was initiated, the payment then falls off and goes back as a credit to the consumer Me. Now, I feel that yesterday evening when XXXX DECIDED to take their payment from XXXX XXXX, XXXX, they should have shown up on my account yes, but as a pending charge for that day 's banking debits and not back to the original date and the bank is WRONG to reverse other debit entries that had already posted and had been paid. I am now being charged XXXX} times 3 XXXX in NSF fees and the initial charge itself from XXXX should be questioned. I asked the bank to restore my account and I was told NO. This is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 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: TX

Complaint narrative:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, XXXX, and Experian. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been 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 2017-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned immediately!

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 2017-11-08 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: VA

Complaint narrative:
I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been 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 explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XX/XX/XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called XXXX and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT XXXX with my credit reporting.

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
The company 's name is XXXX XXXX they were calling me on the phone sending emails wanting me to sign up for their services to fix my credit report. So I called them back signed up paid XXXX for a credit report and then they told me it would be XXXX A month on the first of every month I told them I did not want that and I canceled it the very day that I signed up for it so I thought everything was fine. So a couple of days later I started getting emails from them saying that they had sent a letter to one of my creditors about removing it off my credit report and then I got another one saying that they had taken this certain creditor off my credit report so I got to thinking why am I getting all these things from them when I canceled it so I decided to check my account at the credit union and they had taken out XXXX on XXXX XXXX, XXXX they were not supposed to take that out because I had canceled it on the very day that I signed up for it. I called them on the phone spoke with a paralegal who told me she was going to cancel it and they would credit my money back to my account. By the end of the day send me an email confirming that it was canceled. By that afternoon I never got an email and it was never credited back to my account so I called them again for the third time and I was n't so nice and I asked why they had n't canceled it so the lady promised me that it was going to be canceled she said I 'm doing it right now we 're showing that the account is going to be closed and we will credit your money back to you even though it might take 3 to 5 Business days so I believed her well I never got an email saying that it was canceled and I called the credit union to see if they had sent a credit and if it was even there which the credit union told me they had nothing had not received anything from XXXX XXXX So the very next day I call again for the fourth time told them I have never received your email saying it was canceled but yet I 've been receiving emails from you trying to signed me up for your services again the credit union still has not got anything from these people still keep getting emails from them trying to get me to sign up for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX, I faxed all three credit agencies ( XXXX, XXXX, Equifax ) to remove incorrect /derogatory reporting of XXXX liens on my credit report which had been paid, released and withdrawn in XXXX. I faxed the supporting documentation proving that the derogatory reporting was not valid XXXX and XXXX promptly removed the inaccurate reporting but I discovered that Equifax did not. 
3 weeks ago I applied for a home equity loan and was denied the lower interest rate because of score due to derogatory public records on my credit-report from Equifax that should have been removed ages ago. 
Equifax is still reporting this inaccurate derogatory information which is affecting my ability to properly qualify for a loan and causing me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATEDXX/XX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. 
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I did not authorize hard inquiries on my account affecting my credit score.
This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation