vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018 I saw that my car insurance had sent over a payment to Chase of {$170.00}. I called XXXX and asked if they could reverse the payment and they said that they couldn't because it was pending by my bank, however I could call my bank and have the transaction reversed, and if that happened that they would not resend the payment again until I called them. After that I immediately called Chase and told them that I had spoken with a XXXX representative and I asked them to reverse the payment, they told me that it would not be a problem since I had already spoken with XXXX and the payment was still pending. I looked in my account and saw where the Chase representative had reversed the payment. Today, XX/XX/2018 I receive an email alert stating my account was overdrawn by {$130.00}. I called Chase and was told that they did not see where the payment had been reversed and that they did not see any record that I had spoken with anyone. Chase is famous for waiting for the money to go into an insufficient status before they start processing payments. I had about 8 items that I made transactions for from XXXX XXXX that did not show up until a week later although Chase had them paid on my transactions, later on in that week they have now been set to another date rather than the date originally done. These payments are taken out, and it appears that they have been paid the balance reflects this however I have been told that they don't actually process until the payment is made which inadvertently has the customer thinking that something has been paid when it actually wasn't and that the balance that is posted actually isn't correct. 
I also spoke with Representatives from XXXX who stated that they never received anything stating that the payment had been reversed and that the payment was not made. 

I do not believe that Chase should continue to take advantage of consumers and misleading them just to be able to charge them a daily {$35.00} insufficient fee which could add up to hundreds of dollars. 

I will make sure from this day forward that I have documentation and proof of Chase 's unfair practices since records seem to disappear from statements. I watched the transaction be removed on Sunday, here it is Tuesday, and there is nothing proving anything I have stated, not even a recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called Transunion yesterday to submit a dispute regarding the inquiries that are present on my Transunion report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Transunion to investigate the inquiries present on my report that I did not authorize.

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 2018-09-18 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:
i have submitted a letter to XXXX about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I noticed that theirs a debt collection in my credit that is not mine! I tried sending dispute letters twice!! I tried calling them and talking to them, and they are still making me pay something I never even knew it existed!!! The amount is XXXX dollars from XXXX XXXX  XXXX, and apperantly it was opened XX/XX/2017, I tried talking to them, sending disputes and they wont help me, they only want me to pay something is not mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Ditech Financial LLC
State: TN

Complaint narrative:
XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX had a lien on a Mobile Home Tn Vin XXXX Title number XXXX Tennessee They went out of business without a trace Original borrower was XXXX XXXX XXXX This mobile home was paid off years ago and they never released the title This transaction is holding up two other transactions. 

I am uploading all that we have on this. But we need this title released. We need to know who is the person that is left that signs for XXXX XXXX that got bought out by Ditech Financial, LLc.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SIMMONS FIRST NATIONAL CORPORATION
State: SC

Complaint narrative:
Simmons Bank Decreased the Credit limit on visa Credit cards of hurricane evacuation victims.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I took out a personal loan with this company Avant.This loan was a 36 month loan. On XX/XX/2018 I paid this loan off. Avant sent me a payoff notice. I was checking my credit report and Avant was reporting to all the three credit report agencies I still owe a payment reporting the month of XXXX. I contacted XXXX and disputed the information and told them this account has been paid in full. Avant has responded and they closers my account affecting my credit. They should have just reported that this account was paid in full. I made all of my payment They should let me report if I wanted this account close I feel they just tryed to mistreat me by reporting this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.

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 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: AZ

Complaint narrative:
JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved. 

Here is the break down on how the insurance, Interest and tow fees payments were applied. 

Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}. 

XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action. 

If you have any questions please contact me at XXXX. 

Thank you. 

XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX 

I have read many complaint reviews online of this tactic to other consumers. 

Please advise as this is not fair to people who have maintained a good pymnt record. 

I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX  USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/2018 I cancelled my auto debt payments from coming out of my account I spoke with rep XXXX from company and advised it would be cancelled. the company took out money from my account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received paper bill statements through the mail from TD Bank/Target and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( XXXX XXXX  ) grandmother in XXXX 2018, my partner informed me of all received bills. Target wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XXXX XXXX, 2018. I received a response on XXXX XXXX, 2018 stating they investigated and are correct. I called on XX/XX/2018 and spoke with a supervisor at TD Bank and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to TD Bank doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
This company is harassing me, they put a wrong debt on my credit history. 
Compliance Department Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I paid everything and I moved out, I fullfilled the obligations in a contract. They are trying to collect something that I dont owe!

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 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hiday & Ricke, P.A.
State: NC

Complaint narrative:
I paid off debt on a bodily injury claim filed on my credit reports as XXXXXXXXcounty court in XX/XX/2018 and not notified yet and still shows on all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called Equifax yesterday to submit a dispute regarding the inquiries that are present on my Equifax report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Equifax to investigate the inquiries present on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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:
4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS

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 2018-09-18 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: TX

Complaint narrative:
4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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:
FTC VIOLATIONS CRA 2 SOCIAL SECURITY ALL MAJOR VIOLATIIONS

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 2018-09-18 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:
i have submitted a letter to transunion on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018

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 2018-09-18 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: GA

Complaint narrative:
I have sent 4 letters to Equifax over the course of 120 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I have copies on file with certified mail receipts for each. In each letter I have asked them to correct direct erroneous information that they are providing on my credit report, I have asked them for physical proof for their " verification '' I have provided them with proof of their errors. They have several errors on my report : Misspellings of my name, wrong previous address, entire payment histories missing from tradelines and they refuse to send me physical proof for negative information that I suspect are not mine. Each month they send me a vague response that often doesn't even match what I have requested and the errors remain on my report with little to no change. They are willfully being non compliant to my FCRA Rights and my rights under the FCRA Section 609 especially. I have also tried to reach out to them by phone. I am often routed to representatives that do not speak English very well and/or can not understand what I am communicating. Equifax seriously needs regulation on how they handle inaccurate information. They are non compliant and they ruin peoples lives by not doing what the law requires. They are bold in their negligence.

Company response to consumer: Closed with non-monetary relief