vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
i am writing this due to non-compliance with the ( XXXX, XXXX, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2021, my wife and I went to XXXX  XXXX of XXXX to start our search for a vehicle. I was explicitly clear that I did not want a hard inquiry pulled on our credit as we were just starting the process and simply exploring our options. After leaving the dealership without purchasing anything or pursuing anything further, I learned a hard inquiry of our credit histories was pulled against our wishes and without our consent. I have attempted to contact the company to remedy the situation, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PASCO, Inc
State: MI

Complaint narrative:
On XX/XX/2021 I started receiving phone calls from CELCO, a debt collector, with regards to a debt that is not mine, but rather my Mother in Law. 

I have received a call every 55 minutes for the last two days. I have spoken with three people there, only one of which I got their name, that being XXXX. 

After determining that they are looking for a relative, I let them know that they have the wrong number and to please remove me from their list. Yet, the phone calls have persisted. I was told that there is " nothing that they can do '', and that the phone calls would continue for up to 48 hours. 

The number that they're using is XXXX. I find it very hard to believe that they can't remove my number from their calling queue. They just don't want to be bothered, well, neither do I. 

I should not have to quit answering my phone just to get them to quit calling a phone number that they have been told is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.

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 2021-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
SPECIALIZED LOAN SERVICING IS REFUSING TO PROVIDE AUTHENTICATION OF THE MORTGAGE AGREEMENT AND DISCLOSURE DOCUMENTS THEY HAVE PROVIDED. WE HAVE REQUESTED NUMEROUS TIMES FOR A CERTIFIED COPY OF THIS DOCUMENT AS PROOF THAT IT IS A PHOTO COPY OF THE ORIGINAL AND SIGNATURES AND RUBBER STAMP ARE AUTHENTIC AND NOT INSERTED OR CUT AND PASTE. THAT NO PART IS MANUFACTURED BY COMPUTER GENERATED SOFTWARE OR ELECTRONICALLY ALTERED IN ANY WAY. THIS IS ANOTHER REQUEST FOR AUTHENTICATION. *************************************************

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 2021-02-24 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: GA

Complaint narrative:
XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you 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
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you 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
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid my Chase statement balance online on XX/XX/2021. I received an email on XX/XX/XXXX indicating I had a balance due. On XX/XX/2021 I called Chase at XXXX to inquire about the {$30.00} posted to my charge card. I was told the fee was interest from XX/XX/XXXX until the time I paid on XX/XX/2021. I asked how and why interest is charged after I paid the statement balance in full. XXXX apologized for the confusion and told me she was trying to credit my account for {$30.00}, but her request was declined. I asked to speak to a XXXX. I was transferred to XXXX XXXX and asked the same question and was told the same thing. I told him I paid off another Chase account and was not charged interest after I paid the full balance and he indicated I was charged interest and I called Chase and Chase reversed the fee. I asked if he could do the same this time and he said no because it was too much. He also said if I did not pay the fee, I would be sent to collections. 

I asked my attorney to send a letter disputing the charge and they sent a letter on XX/XX/2021. To date, I nor my XXXX  have heard back from Chase regarding the dispute letter. 

On XX/XX/XXXX. 2021, I received an email from Chase indicating my email address was changed. I did not request this change so I called Chase and learned my email address and mailing addresses were changed. Neither were requested by me. When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was asked to enter my zip code and after several attempts, I learned the zip code on my file was for my attorney 's mailing address. When I was finally able to access my account, I saw messages from Chase indicating they have been trying to reach me and I needed to update my email address. The email address they had on file for me was XXXX. I was told to change it. 

None of the customer service representatives were able to tell me why Chase keeps changing my contact information or why Chase was trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A collection account is reporting in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
i am writing this due to non-compliance with the ( XXXX XXXX XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for a mortgage application in XXXX of 2020. I applied for a refinance of my primary residence. I provided all the requested documents they needed to approve the loan. We closed on XXXX of XXXX I received documents about some issues about some documents on my loan. I reviewed the documents that was sent and show that my job title application is wrong. It is listed as XXXXt my job title is XXXX XXXX XXXX XXXX. I want to explain to Quicken loans that I provided all the documents they needed to get my loan approved. I did have some issues with uploading some PDF files in the system and thought I would take a picture of the pay stub. I reviewed what sent to me and noticed the bottom portion did not capture. I have attached the original pay stub PDF version. Please keep in mind I changed pay stub providers in the middle of this application process. I was with XXXX  getting direct deposits. I changed to XXXX and did not set up direct deposit. I was trying the new scan feature with my bank and enjoyed using it. I have attached proof of payroll checks that I scanned and deposited to my account. XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The XXXX address is an address we had previously. I have attached proof of the address when I started the business. I put in a request to XXXX to change the address and they responded and was not able to update it in time for closing. My company is set up as a S Corporation based on the IRS rules if I work for my business I must take reasonable compensation in the form of a W-2 at the end of the year. Please let me know if you have any questions. I am looking forward to making my mortgage payments and living in my house with my family. I enjoyed working with Quicken loans and thank them for allowing me to refinance my home. I would highly recommend them to family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trojan Professional Services, Inc.
State: NJ

Complaint narrative:
Trying to collect debt that i do not owe we have no written agreement or no contract no type of documents that state i owe this company any debt and they are in violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
i do not owe any debt to this company we do not have any written documents or contacts stating to pay them money according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield is on my account is incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
This account is still with midland credit management. It is a fraudulent account and needs to be removed and collections stopped immediately. XXXX XXXX has deleted and researched all these accounts and have found them to be opened as a part of identity theft. Attached is a copy of the police report and when it was filed. 

Midland credit is not doing the right thing here and protecting the individual that was a part of identity theft. This is a very trying time during the pandemic and Midland is adding on to the stress and many jobs check credit before they hire you. Midland is not doing right here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had fraudulent activity on my account last night ( someone got into my online banking account and changed my contact information. ) I immediately called my bank and they told me that they froze my card and will monitor my account. This morning someone used my debit card number to steal almost XXXX dollars from me. When I spoke with my bank they said that the card actually wasn't closed until this morning, not last night like they said. I believe that my bank was negligent and is responsible for me having my money stolen because if they closed it when they said they would, this would not have happened. Despite this being a mistake on their part, they were unwilling to work with me and said that I have to wait up to ten days for my money to be returned, meaning I will be late on rent and other bills.

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 monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Citi XXXX XXXX card ( ending in XXXX XXXX which I no longer use. I'd called to request that the card be cancelled months ago only to learn in XXXX it was not. There was a balance from a forgotten recurrent charge ( one no longer charged to the card ) so I paid the balance in full on XX/XX/2021 and closed the account and cancelled the card. I had a {$0.00} balance as of that day. I called and had the card cancelled and the account closed. 

Despite carrying a {$0.00} balance, closing the card and cancelling the account, I was charged a {$2.00} interest charge and a {$40.00} late fee XX/XX/2021. 

I was unaware that there was anything to be paid on the card as I had not used it in months and carried, to my knowledge, a {$0.00} balance. 

I was charged another {$.00} interest charge and another {$40.00} late fee on XX/XX/2021. I currently have a balance of XXXX on a closed account with no charges and a {$0.00} charge balance. 

I called Citi to resolve the issue on XX/XX/2021. The representative I spoke to did not resolve the matter then either the call dropped or the representative disconnected. These charges seem predatory. I don't know what further action I could have taken to avoid these fees. As it was, the balance was {$0.00} and the account and card were closed. 

Thank you for your assistance. 

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 monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Plastiq Inc.
State: MD

Complaint narrative:
Plastiq is a payment processor that charged my card the full payment of {$720.00} and a service charge of {$10.00} on XX/XX/2021, but failed to deliver the payment to the payee which was due on XX/XX/2021. 10 days after the due date, when I contacted Plastiq regarding this payment, I found out that Plastiq made an error in payment account number. I asked Plastiq to refund the payment back to me, but Plastiq refused to comply with my request and advised me to fix their error with the payee on my own. I believe Plastiq failed the fundamental purpose of a payment processing company which is to deliver timely payments to payees without errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was referred to Consumer Complaint by my Congressman, XXXX XXXX, the ranking Republican on the House Financial Services Committee. 

On XX/XX/XXXX, we purchased a XXXX cruise in XXXX and XXXX through a travel agent, who paid the airline, the cruise provider and the travel insurer with my Visa credit card. 

Due to a progressive illness, this was to be our last trip. It would have been difficult, but we chanced it while there was some possibility. 

When the Covid pandemic forced cancellation of the cruise, the air fare, insurance and cruise payments were fully credited by Visa back into my checking account. 

But then Visa re-debited my checking account again, saying the the cruise line had offered us an IOU. 

I explained that our medical situation made an IOU worthless. We explained this in great detail to Visa, multiple times, in routine dispute correspondence. The cruise line and XXXX  Government guaranteed in writing to repay Visa if we did not take advantage of the IOUwhich we physically can't. 

We explained to Visa that the IOU was useless to us and why. Even so, Visa debited our checking account and proposes to hold the value of the cruise until the cruise line pays them in XXXX, essentially forcing us to loan Visa the cruise amount until then. 

Visa 's checking account debit caused transactions to bounce, triggering overdrafts and wrecking havoc with our bookkeeping at a time when other things needed our attention. We had to sell investments to restore our checking account and presumably our credit rating has been harmed by the overdrafts. 

We had paid everything we owed to Visa in full and on time. We explained the situation repeatedly by post and telephone calls. The barrage of apparently computer-generated form letters does not seem to be a good faith attempt to resolve the situation. 

Clearly we have no stake in the dispute between Visa and the cruise line. Certainly we have no obligation to save Visa harmless for the cost of the cancelled cruise until/unless the cruise line meets its its XXXX repayment commitment to them. 

We paid Visa in good faith and received nothing whatsoever in return for the payment. We need and deserve our money back..

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