vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 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 XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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 XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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 XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: CA

Complaint narrative:
UHEAA ombudsman employees have been applying all principal payments to my interest and unaccrued interest which is incorrect, changing expected payoff dates to XX/XX/XXXX in which all four loans expected payoff dates should be 36months/ year XX/XX/XXXX, illegally deleting each indivual monthly payments ( paid towards principal balances ) ( All interest owed was paid off ) ( UHEAA ombudsman added/ applied all interest back towards all four principal balances knowing that borrower had paid off all the accrued interest applied to all four loans since XX/XX/XXXX ( Unsub/Sub loans ) and XX/XX/XXXX ( Unsub/Sub ) at 6.8 %. Combined four loans total should be XXXX and not over 10k when all monthly payments are doubled and unacurrued interest is added into my monthly payments. Overage payments are to be applied towards principal balances not applied towards interest. Interest should not be higher then principal payments unless I missed payments. I have never missed nor Ben late on monthly payments. When I informed UHEAA of the countless errors they are making, in response to my complaint the errors would be corrected on each of my four loans, instead they apply unacurrued interest calculating from expected payoff dates XX/XX/XXXX and applying it towards all four loan balances. Illegally changing dates, moving monthly payments around to other loans. One balance higher then the other they would go in and remove payments that have been applied or applied incorrectly and apply it to another loan with a small payoff balances ; then turn around and add more unacurrued interest to all four loans again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ME

Complaint narrative:
I added a bank account to transfer money because I had been using a credit card that had a weekly limit and after I initiated the transfer they restricted my account so that I can not buy or sell. I have contacted them through several means and the do not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FC HoldCo LLC
State: FL

Complaint narrative:
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
My Mortgage was transferred to Seterus fromXXXX Mortgage in XX/XX/XXXX in XX/XX/XXXX we applied with Seterus for a loan modification because we could not afford our mortgage payments I was unemployed for XXXX years from XX/XX/XXXX-XX/XX/XXXX When we applied for our fist modification with Seterus. We submitted documents that were required every 30 days. We needed to update our documentations because our documents had expired. We made 3 months of trial payments and we thought that the modification would be permanent we did not receive any documentation for the new modification and after 9 months Seterus told me that I need to reapply and start the process all over again They did not know what happened to our paperwork. During this time, our mortgage was in a past due status and foreclosure proceeding continue. We receive court documents that our house was in foreclosure and we were served with papers from New York state courts. Principal and interest continued to be added to the account. This was going on when we thought we had been accepted for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FL

Complaint narrative:
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FL

Complaint narrative:
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX/CBNA, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FIRST HORIZON BANK
State: GA

Complaint narrative:
First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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 XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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 XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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 XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MORTGAGE COMPANY
State: NM

Complaint narrative:
I am the seller of a {$470000.00} home. I was scheduled to close on this sale the morning of XX/XX/XXXX at XXXX XXXX. At XXXX XXXX on XX/XX/XXXX, I was informed that the buyer 's mortgage company, First Mortgage Company, was merging with XXXX XXXX, a lawsuit blocking the merger had been filed and First Mortgage Company 's funds had been frozen as a result of this lawsuit. Consequently, the closing of the sale of my home was delayed indefinitely.
I sent a letter to XXXX XXXX, the CEO of First Mortgage Company, explaining and documenting that each day my closing was delayed cost me {$160.00} in mortgage interest, property taxes, utilities and insurance. XXXX XXXX was not accepting either emails or telephone calls. I sent the letter of complaint to XXXX XXXX, the Manager of Loan Administration, who said she would forward it to XXXX XXXX I have not received any reply.
I explained in my letter to XXXX XXXX that First Mortgage Company 's merger plans notwithstanding, I should not have to bear the financial burden of their malfeasance. I had a fixed closing date, I made commitments to my creditors based on that assurance, and to have it summarily cancelled with one day 's notice and no compensation is unacceptable.
We have since closed on the property onXX/XX/XXXX, 9 days late, and I am out {$1500.00} as a result of First Mortgage 's mishandled merger.

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 2017-08-12 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: SC

Complaint narrative:
Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company Equifax said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have contacted XXXX XXXX XXXX and citi bank on two different occasion by certified mail both times telling them that the outstanding balances they are showing on XXXX / XXXX / and XXXX can not be my sons because he is XXXX XXXX and has never had a credit card but it fact it was a fraud committed by his mother for which I gave them in the letters that were sent to them and the 3 reporting agencys I just mentioned. I also contacted these parties over 7 years ago by sending a certified letter that I did not want any crtedit authorized in my sons name n social security no. at all. these people have forced me to contact social security and try to change his # so this will not continue. please help me with these issues as I 'm recovering from XXXX for a third time from XXXX XXXX XXXX  and I 'm not sure how long I have to live and I do n't want to leave my son knowing these issues exsis. does the credit card companys know that entering into a contract with a XXXX XXXX person is against federal n state laws. if they would have run the proper back ground checks his name would have popped up because he is in the service coordination state system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NC

Complaint narrative:
fraudulent account, XXXX XXXX XXXX, XX/XX/2015, 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 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Suffered a casualty loss to my home due to a hail storm.
Insurance check made payable to me and my mortgage holder ( mortgagee ).
We endorsed check and the mortgagee deposited.
When we submitted bid for repair, mortgagee issued a check payable to contractor and me.
Contractor and I properly endorsed check and deposited Bank declined deposit because of " improper endorsement '' When we initially contacted bank, they indicated a corporate seal is required. In Texas corporations, LLC 's and sole proprietors are not required to have a corporate seal. When we pointed this out the bank told us the check could only be deposited in the contractors account.
The bank upon which the check was drawn indicated this is not true, that they would honor the check Contractor bid was 50 % at start, remainder on completion with the job to start 45 days in the future.
The insurance company will inspect my property upon the completion of the work to ensure the work was completed based on the adjusters appraisal and recommendation.
By denying the deposit of a properly endorsed check the Chase Bank of Texas is denying for no valid reason access to my funds. Furthermore, by their policy they promote contractor fraud by allowing the contractor full access to the funds before any work is undertaken.

Company response to consumer: Closed with explanation