vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my mother sent me funds from her account to my account via XXXX through Chase bank. Both her and I both bank with Chase. Our accounts are also linked together. She sent me XXXX via XXXX and Chase stopped the fund transaction and also blocked my online access to all my accounts. I was never notified of the blocked accounts until I went online with Chase to pay my bills on line. I call the number that Chase said to call to unblock my account and 2 hours later on the phone they would not unblock my accounts. they put me on hold to check my account for 20 min then hung up, I had to call back and start all over trying to fix the problem with my account. My mother accounts and mine are all linked together so they should have seen this. When I went into the Chase branch the worker called the Chase number and they unblocked my account but for 2 days I did not have access to my accounts online.Chase dose not care about there customer to send a fraud alert to inform the customer that there is a problem with there account. Just leave them in the dark even thought there are many verification Chase use to check a persons identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I had a 1st mortgage with XXXX XXXX, and a HELOC with USAA. I filed bankruptcy 8 years ago, but still make my monthly payments to both of the above companies. On XX/XX/2019 I received a letter from an attorney representing USAA threatening me with foreclosure unless I paid {$1000.00} in arrears, and started making an increased monthly payment of {$170.00} as I was 6 months in arrears. I checked my bank, and all of my payments to USAA were accepted. I called the number for USAA on the letter, which now calls itself XXXX XXXX. They couldn't find me in their system. I started refinancing my loan immediately. When my loan guy and I conferenced called USAA/XXXX, they finally located my account. They admitted, over a recorded line, that I have not missed any payments. They still moved forward with the foreclosure process, and my house is now listed as going up for auction on XX/XX/2019. I refinanced my home on XX/XX/2019, and USAA/XXXX was wired and accepted the payoff of the HELOC on XX/XX/2019, they are still moving ahead with the foreclosure. I have contacted the attorney representing USAA on XX/XX/2019, and forwarded them copies of the payoff documents and the wire transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
The account was settled for less than full amount with a 3rd party however the original creditor is reporting the account charged off and not settled in full SYNCB/CARE CREDIT IS THE ORIGINAL CREDITOR. 
THE DEBT WAS SOLD TO XXXX XXXX  AND I SETTLED WITH THEM. THE LETTER IS ATTACHED.

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 2019-04-26 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: IL

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The Capital One Credit Card on my report should not appear on my credit report the amount shown is the owners card not my card ; I am only an authorized user and no longer have this card and my total usage does not compare to the owners total my total was very minimal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: IL

Complaint narrative:
Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX  - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: CA

Complaint narrative:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX+ figure a couple of weeks later

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 2019-04-26 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: CA

Complaint narrative:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later

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 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX at approximately XXXX XXXX, I electronically initiated a transfer of funds ( {$29000.00} ) from my XXXX XXXX account to my PNC Bank checking account. On Saturday XX/XX/XXXX at XXXX I received a e-mail from XXXX XXXX stating that the funds transfer I requested had been sent to PNC Bank. ; The problem is that PNC Bank did not credit my account until Wednesday XX/XX/19. I can not understand why with the technology we have today, the transfer of funds should not take any longer than one day. I was in the process of purchasing a new vehicle and needed the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: IL

Complaint narrative:
XXXX and Experian are reporting an incorrect coding of the XXXX/XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a hard inquiry from this source SYNCB Inquiry : XX/XX/2018  This is the info provided Institution Information SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When this number is contacted it only wants a passcode .... which of course I do not have seeing how I have no idea what this even is. I did not authorize anyone to pull my credit on this date.

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 2019-04-26 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to Chase, XXXX  & XXXX in XXXX! 

Those problems were reported - again - to Chase, XXXX  & XXXX in XXXX! 

Now - in XXXX XXXX - some of my Visa Signature Benefits r being delayed because of crimes committed by Chase, XXXX & XXXX! 

That is outrageous! 
Visa Signature Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive Chase, XXXX & XXXX have been with those crimes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: IL

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-26 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly late payments on the XXXX/XXXX XXXX   partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX/XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
This company called my job today, XX/XX/2019 they did NOT ask to speak with me. They asked for my supervisor and informed her that a deputy was on his way to arrest me and serve me with legal documents. My supervisor gave me the information. I called the company ( XXXX ) XXXX and they refused to identify themselves. Just repeated over and over that they were on their way to my job and I had 1 hour to give them my payment information.I asked them why were they calling my job and telling my supervisor lies. I was informed that I should've paid my debts and they did a background check on me and that's why they're coming to my job. I told them that I believed they were a scam, because they wouldn't identify themselves and they could've easily got my home address and my personal phone number, IF they indeed do a background check. The guy then got very hostile and told me that I was going to jail. I repeated over and over that I had 1 hour to pay and hung up the phone. Instead they're trying to bully and embarrass me by telling lies to my supervisor. I informed my supervisor that it was a scam and she said she was happy. The damage is already done!

Company response to consumer: Untimely response
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD permitted use of the card over the allowed credit limit and then charged me a fee and interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: ERC
State: TX

Complaint narrative:
This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. 

ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: WA

Complaint narrative:
XXXX and Experian are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached 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 2019-04-26 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 — Was not notified of investigation status or results
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I have currently set this file in debt settlement company. They stated that they didn't deal with the companies and making harassing phone calls. On today XX/XX/2019 they pulled my credit report without my permission to do so. A hard inquiry is now on my report due to an act that this company put on my report today that wasn't authorize by me at all. I don't know why they would pull my report without my permission. This is not acceptable at all.

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 2019-04-26 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: WA

Complaint narrative:
Transunion is reporting incorrectly late payments on the XXXX   XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX  partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late.

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 2019-04-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a bill from PayPal Credit. Synchrony Bank XXXX. XXXX XXXX XXXX, MD XXXX. The bill is for {$39.00} with late payment. 

I have no account with them and never applied for an account. When I tried calling at XXXX and finally got to speak with someone they said that they would transfer my call and that was the end of that.

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
I had a lease with roommates. We couldn't afford the lease so we left a month early but arranged with the office that they would take the deposit and maybe have a small charge after that. Now i have a XXXX collection on my credit report. My former roommates have nothing on their report and the company in question won't send me a detail of the bill but there is no way that it could be XXXX. I have tried disputing the account with the credit bureaus but had no success. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have like 9 hard inquirys from XXXX that I havent made or applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Frontline Asset Strategies, LLC
State: OH

Complaint narrative:
I have retained legal counsel and per the FDCPA I wish for all communication to cease and desist. I will be filing BK.

Company response to consumer: Closed with explanation