vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: NH

Complaint narrative:
Disputed inaccurate accounts to Experian on XX/XX/XXXX Report # XXXX Accounts Fraudulent and Duplicate Reporting. 

XXXX / XXXX XXXX XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Was opened fraudulently and is also being reported multiple times with same account number and different open dates. Reported Also as : XXXX XXXX XXXX  XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Also Account Name XXXX  XXXX  XXXX/XXXX   XXXX   Account Number XXXX Opened XX/XX/XXXX. 
{$430.00} Account opened fraudulently and is also being reported multiple times. Reported same account buy changed last digit of account number as : Account Name XXXX  XXXX  XXXX/XXXX  XXXX  Account Number XXXX Opened XX/XX/XXXX. 
{$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: AZ

Complaint narrative:
XXXX ; XXXX and Transunion are reporting the incorrect credit limit amounts on the XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a phone call from a lady this morning at XXXX XXXX- it was the number of our city building- she stated that she had tried to serve me at my XXXX address but couldn't get me so she was at the city clerks office in XXXX and was going to serve me at my work if I didn't call XXXX-XXXX-XXXX and give them ID # XXXX-XXXX. I called XXXX XXXX  building and they said that no one was there to serve and they hadn't called me and she didn't know how they made it look like it was from XXXX of XXXX. She told me that they are going to turn me in for fraud for giving a bad check and they were going to my place of employment. 

I called the XXXX number after speaking with the city- the lady there told me that they were XXXX and XXXX XXXX office and they were suing me today if I didn't make the payment. That I had committed fraud and that they would serve me. I told them I wanted written proof of the debt and she told me they wouldn't provide me with it and that I would be served and the paperwork would be in that. She told me that they will go to my job- I told her I do not work there anymore and she said they'll go there to verify and then they'll find out any job I go to in the next 6 months and will serve me there if I don't pay. She said I owed XXXX but with fees and the 300 % interest I now owe XXXX and if I didn't pay today they are serving me and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Unable to receive a statement by mail, phone, email or sign on to the web. Not sure if payments have been credited, should be two months ahead before but unable to to verify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened a new account with US BANK and it has been nothing but problems since I opened it. I am writing because I had to open a new bank, after my ATM card and social security card were stolen from my apartment- there is a fraud investigation going on. 
The first issue- I deposited over {$500.00} in cash directly to the teller on day I opened the bank, I made transactions that equaled less than {$500.00}. US Bank told the merchant I did not have the money to XXXX, denied the transaction which caused my new phone to be delayed by five days. US Bank then re ran the transaction taking around {$170.00} out for a transaction that was only {$100.00}. 
I make some returns to XXXXt, and then order some XXXX XXXX, to find out US BANK charged me for two NSF fees that they should not have charged me for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
Im a victim of fraud and I want my financial freedom back. My complaint is against OPPORTUNITY FINANCIAL ACC # XXXX date open XX/XX/2016, status closed derogatory. I already tried disputing this with the company and they still have not remove fraudulent account from XXXX credit bureau, violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my XXXX report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to Opportunity Financial alerting them that this account has fraud charges. In the case that the account still remains in my report I will take legal action against Opportunity Financial. This is a clear violation to my financial rights and to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a XXXX XXXX Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time XXXX XXXX Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the XXXX references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a letter from the mortgage company, mr Cooper on XX/XX/2019 about an overage in my escrow account of {$8100.00}. The overage is actually {$6200.00} because I've been paying into an escrow account for years. They want me to pay {$1100.00} for 12 months to cover the overage which equals {$14000.00}. That is twice what the overage is and too much for me to handle. My mortgage payment went from {$1400.00} to {$2600.00}. I'm retired and live on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit card offers show discounts when buying from a variety of vendors listed on their web/app. I opted for the one offer for 10 % discount when buying from XXXX XXXX. When that discount was not reflected on my statement, I went back to their discounts page and found that customers have to click on a link on each offer to read additional information related to the promotion. On that subsequent page and in very small print, I discovered the offer was limited to a maximum of {$50.00}. Most other offers from this bank prominently show discounts, usually 5 % to 10 %, but until you read the very fine print on a different page, customers discover the offers are topped at a very modest dollar amount, {$7.00} to {$50.00} each. I feel the bank has abused the trust I placed in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX  XXXX XXXX  partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter. 
On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}. 
They should not have paid out anything from my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: TN

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: College Loan Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a Federal Stafford Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time Federal Stafford Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the two references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
equifax fraud inquiries from XXXX  XX/XX/XXXX XXXX   XXXX  on  dates XX/XX/XXXX and XXXX XXXX  and XX/XX/XXXX XXXX   XXXX  also XXXX  has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   XXXX and XX/XX/XXXX XXXX   XXXX  and XX/XX/XXXX XXXX   XXXX these all need to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe that Citibank/Citi Cards did not resolve my dispute within the time limitations of the governing Act set forth to protect me. Since XX/XX/2018, I have made several and ongoing requests by telephone, electronic and certified mail requesting : ( 1 ) documents/communications pertaining to disputes ; ( 2 ) arbitration ; and ( 3 ) that my credit card be closed. 

I have been and continue to be directly damaged as they took so long to reach and communicate their decision to me. To date, I have not received a response from Citibank regarding my many requests. 

Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: PERSIAN ACCEPTANCE CORP
State: CT

Complaint narrative:
In XXXX of XXXX, I totaled a car purchased with a loan issued from Persian Acceptance Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX and XXXX ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just received a long notice from Chase USA/JPMorgan Chase detailing all the changes to terms that they are instituting on their credit card accounts. I have concerns. 

1. The CFPB states on their website : " Credit card companies must establish procedures to assure that their bills are mailed or delivered to you at least 21 days before the payment is due. '' Chase now states : " Your due date will be a minimum of 21 days after the close of each billing cycle '' Chase can not get their statements sent out until the billing cycle ends ; therefore, anyone receiving their statement by mail will have the time to pay their bill decreased to less than the 21 days. While I realize many people do their payments online, this change, of course, hits all the people with no computers the hardest, the people who can least afford any late fees. ( I assume that is the intention of Chase -- to make more money off those least able. ) 2. Binding Arbitration : Chase is now forcing all clients into binding Arbitration. There is a very complicated way to write to them at a specific place by a specific time including very specific information. I intend to do that, but I noticed that they kept delaying where that information was placed in the brochure, mentioning it twice, but it did not actually show up until a page later. ( Later Chase states that it will be paying all the arbitration fees -- really, whose pocket will the arbitrator be in? ) They also state that if you do not decline this, you can not be part of a class action suit. 

I realize that Donald Trump nixed the whole binding arbitration legislation that was to go into effect to protect consumers. I PROFOUNDLY OBJECT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I advised Citibank of a dispute concerning a transaction on my checking account in the amount of {$1700.00} for which I did not receive any benefit. On XX/XX/XXXX, without any prior notice whatsoever, I received an email indicating that the dispute was resolved in favor of the merchant and that the amount would be immediately debited from my checking account. This left my account overdrawn and Citibank began assessing this against my direct deposits. Moreover, I advised Citibank of my intention to file a lawsuit in small claims court to recover my funds. I was advised that Citibank would review my dispute and determine whether proper outcome was reached. I followed up with Citibank in email form on XX/XX/XXXX, and XX/XX/XXXX, and on XX/XX/XXXX, I received an email advising me that Citibank would be issuing a credit to my account for the {$1700.00} even though they believe my claim is bogus. It is unbecoming and inappropriate of a bank to make such an assertion. Moreover, I was also advised that Citibank would be closing my account shortly. This retaliation by Citibank in connection with this matter is inappropriate and actionable, and a repeat of Citibankms same, stale tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
This morning, beginning around XXXX XXXX I received a series of phone calls from this debt collector. They called and left approximately 12 voicemails in a half hour period.

Company response to consumer: Closed with explanation