vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 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: TX

Complaint narrative:
I have a mortgage reporting from XXXX XXXX on XXXX and TransUnion. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: TX

Complaint narrative:
I have a mortgage reporting from XXXX XXXX  on Experian and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under Experain. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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: MO

Complaint narrative:
I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-11 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: MO

Complaint narrative:
I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently filed a complaint XX/XX/XXXX against XXXX XXXX   and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX   has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX   directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I had a debt with a credit card company. I received a letter from them greater than 5 years ago stating that they could not do any legal action against me due to the age of the debt. Recently they have been calling 3-4 times a week though I have requested them not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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: Exeter Finance, LLC.
State: KS

Complaint narrative:
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX and that should and would be the only place I would have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX  AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.

I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.

I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX CC STATE OF XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I recieved a check in the amount of {$2100.00} from XXXX XXXX  for my wedding dress. I took this cashier check to my bank, JP Morgan Chase. I gave the check to the bank teller and she deposited the check into my savings account. Chase approved {$100.00} until they could prove the check was cleared and had funds. On XX/XX/XXXX the remainder of the check was deposited into my savings account. XXXX XXXX told me he was in New York in XXXX XXXX training and is having a moving company pick up the dress. We had agreed that he was going to send me enough money to cover the dress plus the shipping fee. XXXX XXXX   told me it would cost {$1500.00} to ship the dress but he would let me keep {$50.00} extra since I had to send the dress. I wire XXXX XXXX  {$1400.00} total to pay for shipping using XXXX   to XXXX. On XX/XX/XXXX I realized my account with Chase had been emptied, both my savings and checking. I went to Chase Bank as soon as I realized this and they told me that they had closed both of my accounts and that I could never bank with Chase again. The check that XXXX XXXX had sent to me was a fake check. When I ask why they approved the check on XX/XX/XXXX they had no answers for me. I had around {$1600.00} in my account and I have lost all of it. Chase told me I am also responsible for the insufficient funds of {$580.00}. I have spoke with several different people and they all tell me the same thing. I ask why its my fault for depositing a fake check if they couldn't even tell it was fake, NO answer has been given, Since then I have filed a police report with my local police station.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX  company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX  that started after I left XXXX  in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX  for taxes paid on my behalf while working in the XXXX for XXXX.

I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent.

I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply.

I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply.

In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX  on my behalf to answer my questions from XX/XX/XXXX.

Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )?

2. What rights do I have in this situation?

3. Will you interceded on my behalf and ask XXXX  to answer my questions from XX/XX/XXXX?

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: AL

Complaint narrative:
My husband and my daughter both had to have XXXX  around the same time one was emergency and the other was planned, with that being said I missed time from work and so did my husband and we got a little behind. I borrowed {$500.00} from them I have been paying {$80.00} per week for approximately 8 weeks already in which I thought originally my payments would be every 2 weeks so I asked them if I can do a payment arrangement to pay it off seeing how I probably already paid back over what I borrowed, They said NO payment arrangments can be made in any circumstances I would have to let it go as a non payment, well I have overdraft protection on my account so the bank will pay it anyway and charge me the fees because of this I have fees on my acct un warranted and it putting me in more debt and all I was trying to do initially is make an affordable arrangement.

this is what they email me weekly below : Dear XXXX : Your scheduled payment of {$80.00} will be processed Friday XX/XX/2018 for loan number XXXX.

Your payment will be applied as follows : Principal : {$50.00} Advance Fee : {$0.00} Interest : {$30.00} NSF : {$0.00} Total Payment : {$80.00} To select a different payment option, please go to XXXX XXXX XXXX and log in as a " Returning Customer. '' Then select the option that works best for you.

Depending on your bank, it may take three to five days for this transaction to appear on your bank statement. You can check your loan status at any time by visiting XXXX and log in as a " Returning Customer. '' Your confirmation number is XXXX.

Thank you for choosing XXXX XXXX. We appreciate your on time payment.

The XXXX XXXXe Team XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Originally I applied for loan modification and was denied. I listed my house for sale ( its short sell since I owe more than what the house is worth ) and had couple of offers and non of them were accepted by the bank, they said they were too low. My agent finally found a buyer with a higher offer, we have sent all the required forms and items to the bank and appraisal was done on Friday XX/XX/XXXX, I have asked the loss mitigation ( XXXX said she is not willing to postpone sale unless she gets the appraisal, well the appraisal was ordered by the bank and not me, she is responsible on getting that, there is nothing I can do, I have done my part. She needs to postpone the sale in order to allow time to get the appraisal. Sale date is 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 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: OK

Complaint narrative:
XX/XX/XXXX till now which is XX/XX/XXXX they are taking out XXXX a month to help me pay my school loans. Which they aren't I have talk to my school loans and they have said if I paid someone to help which it would be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX, my card was declined at a business I go to regularly for a purchase less than {$20.00}. I knew my credit available for the card was several thousand dollars and when I returned home, it was confirmed. I had over {$15000.00} available credit. I called the credit card company, Bank of America, to inquire about it. I was told a data breach " at a business I may shop at '' had occurred and they had sent out a replacement card to me on XX/XX/XXXX and should have received it by XX/XX/XXXX. That is a separate issue with BOA as they should have my current address. Anyway, when I inquired as to what business had the data breach, I was informed that because of privacy laws, they could not tell me. Is this true? Can a data breach occur at a business without letting consumers know that a data breach had occurred? There were no bad charges on my card and I used that credit card for purchases 11 times AFTER XX/XX/XXXX. As a consumer, this doesn't seem right that we are not allowed to know the name of a business we use has had a data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have XXXX  in points with American Express.I called them to ask what I had to do to get reimbursed for airfare.They told me to just charge it to my card and then call them back for credit.At the time I was told that my points would easily cover the airfare of $ XXXXMy airfare was booked through a travel agent/ tour operator called XXXX.I called Amex and it was very difficult to get to the right person and was told that because XXXX included my airfare in with the tour package I could not get credit as the amount was over what my points would cover.So I had XXXX reissue the airfare amount as a separate charge.So today XX/XX/18 I recalled Amex to get credit.After a few very tedious conversations I was told that my points would not cover even the {$6700.00} which I was told a few months ago it would.First of all they do not clearly disclose the value of these points.Searching on the internet it said the points are worth 1.8 % which would give me about {$10000.00} in value.I was told by Amex that the XXXX points would not even cover the $ XXXX.The reason is they discriminate against how you purchase the airfare by valuing reservations made by Amex more then other agencies.So the Amex user is disadvantaged by using a travel service other then Amex when it comes to rewards points.Of course this was not disclosed to me when I initially called them to ask for guidance.Amex has a complicated set of poorly disclosed rules set up to restrict rewards redemptions.Just a horrible customer experience for anyone.One would think that a 40+ year customer who has charged millions of dollars would get better treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a  year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Student Aid (USA) Funds
State: NJ

Complaint narrative:
In XX/XX/XXXX, United Student Aid debt was clearly discharged in a bankruptcy order. So was XXXX XXXX XXXX. This year, XX/XX/XXXXthey took my Federal & State taxes in the amount of {$830.00} AND last year, XX/XX/XXXXfor {$940.00} totaling {$1700.00}.

After getting a recent offset letter, ( XXXX ) last week, I called the XXXX XXXX who directed me to contact United Student Aid/XXXX, who is the creditor ( XXXX ). I was directed to XXXX XXXX, who I was told services the account. ( When I heard " XXXX XXXX '', I had recalled that XXXX XXXX also recently sent me a letter about this same debt ( ACCT # XXXX ), to which I immediately responded " discharged in bankruptcy '' and provided the docket number. XXXX XXXX asked me to forward a copy of the Order via email, which I did on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX XXXX to follow up and was advised their systems are now showing a XXXX balance. Agent suggested that I follow up with United Student Aid to see what shows up on their end. I called United Student Aid again. XXXX, who now says their systems are not able to see a current balance as this matter is in Bankruptcy. I was now directed to XXXX, which is what Im told, they Bankruptcy department, named XXXX XXXX. They said they see an " active '' bankruptcy, to which I reminded them was NOT active. It actually is a discharged debt that was wrongfully offset from my taxes. I asked about what happens with my money. I received NO ANSWER. I was told that they have to send this out to another " servicer '' and that can take 30-90 days to find out WHO is going to service this. Meanwhile, United Student Aid took 2 years of my taxes AFTER they were clearly discharged. This year for {$830.00}, and last year for {$940.00}, when they weren't supposed to. Also note, that directly after the stay I was receiving collections notices, to which I quickly responded with " in bankruptcy '' along with the docket number. They clearly ignored same.

Company response to consumer: Closed with explanation