vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I looked online and received a payoff quote for my home. I then sent the check in on XX/XX/XXXXwith a date marked for payoff onXX/XX/XXXX giving time for a few days of transit. I waited untilXX/XX/XXXX before trying to contact them to ask why my house had not shown a payment or a drawdown from my account. I also tried to contact them through online connection. I received no notice until i finally called the company and was told my payment was sent to the wrong location, though i sent it to the location on the bill, the one I normally send payments too. I was told I sent it to the wrong address and nothing could be done. At no point during any interaction, including during looking up my payoff quote was i told to send this payment to a different location than any other payment that i ha ever made. Now I owe more money as interest has accrued daily and im being told i have to cancel the check and then rewrite one and send it out again. I have to pay the difference in interest that accrues during the time period. This has also caused me to miss a payment and i was told they would have never let me know about the check being sent to the wrong location nor would they do anything with the check. In this whole process, i was treated as if i was in the wrong because i did not know to send a payoff check to a different location than the place i normally send checks. I do not see how they can not accept the funds I sent in at a normal pace of payment and is my opinion that even if it was not processed a complaint payoff the company should have processed my payment against what i owed and then contacted me about what needed to be done to complete the process. The check in question was for XXXX XXXX When speaking with XXXX XXXX at Chase on the phone i was repeatedly told it was my fault and i sent to the wrong address despite telling her there was no other address listed online or my statement. I have copies of the statement as well as the online payoff quote to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: SC

Complaint narrative:
I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I Had Two Credit Cards ... .I Was NEVER LATE ... .Never Missed A Payment ... .I Just Decided To Close Both Accounts ... .I Paid Them Off In Full ... .Then Closed Them ... One Was XXXX ... .Other Was XXXX ... .I Did n't Realize It Would Effect My Credit To Close Them Or I Would Have Just Kept Them With XXXX Balance ... I Just Did n't Want Anymore Credit Cards So Do n't Understand All These Inquiries ... ..Please Help ... .I Have Been Working Really Hard To Get My Credit Back Where It Belongs ... .Unfortunately I Had To File Bankruptcy in XX/XX/XXXX ... ... I Started A Business ... .Lost About 300,000 ... Very Sad For Me As I Worked Very Hard For That Business ... .But Then We Had The Crash..in XX/XX/XXXX... or XX/XX/XXXX... .Please Help Me With All These Inquiries ... They Are Bogus..Someone Has Hacked Me I Think! Thanks For Any Help ... XXXX XXXX/XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX year old woman. I have been a long standing customer of Bank of America for credit card usage. I had set up my account, like all of my other credit card accounts, to be paid automatically with the minimum payment so that I never had to worry about missing a payment. In XXXX XXXX, I had a terrible fall and ended up in the hospital for almost 3 months. I was not concerned about the payment to my Bank of America account since it was set up to be paid automatically. However, once I was out of hospital I received a bill that I was late in payments and had incurred substantial late fees. I tried to resolve this both over the phone and in person. However, Bank of America would not work with me. I explained to them that I had set this up for auto payment for this exact reason - in case something happened and I was n't able to make my payments myself. However, the way their website works, you put in a designed payment amount for auto payment. If the balance increases, the auto payment amount does not increase. All other credit card companies I have used allow for the minimum payment to increase based upon the balance. If the balance goes up, so does the minimum payment. Likewise, if the balance goes down, then the minimum payment goes down. I tried to explain to them that is what I believed to be the case. I also agreed to pay them for what was due but not the late charges since I did n't believe that I was truly late - rather there was a misunderstanding. They would not waive the late fees. It should also be noted that they continue to receive my auto payments while this dispute is ongoing. I have done nothing to deter them from receiving payments from me. I am looking for you to intervene and determine if I can be relieved of the late fees that continue to accrue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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:
I noticed through XXXX XXXX in XX/XX/XXXX that a 30 day late was added for XXXX XXXX  (Creditor: XXXX XXXX XXXX XXXX XXXX XXXX). I disputed with XXXX and TransUnion immediately after encountering the error. I sent proof of payments and XXXX removed the erroneous late, however, nothing happened with Transunion, so I submitted the complaint again to TransUnion, but this time online instead of through the mail. I also contacted XXXX XXXX XXXX XXXX and spoke with XXXX  XXXX in Collections who confirmed that I had satisfactory payments and did not know where the late payment was coming from. I was advised by the credit union that they could not remove anything without the dispute. I finally received a letter from Transunion stating that they verified the information as correct. XXXX XXXX XXXX XXXX did not receive the dispute and is confirming that I was not late. I have gone through Transunion two time and will be doing it a 3rd which is completely unnecessary. It is unfair to have erroneous information on your 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 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: IN

Complaint narrative:
I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
An individual who had access to my identity used my information to sign a lease with a company operating under XXXX XXXX XXXX XXXX ' in XXXX , XXXX . This individual signed my name and used my contact and SSN to sign a lease which he ended up forfeiting and leaving. The lease began around the time of XX/XX/XXXX and was sent to collection around XX/XX/XXXX. The amount accumulated and sent to collection was around {$16000.00}. I began receiving phone calls last year and told the collection agency ( IQ Data International ) that they had the wrong information. When I looked into my credit, I found the exact details and filed a dispute to argue the charges. I was advised to file a report with the FTC and a police report. I sent a notarized affidavit of fraud and my report to the collection agency, but they did nothing to remove the negative account. They sent me a letter with a copy of the signed lease agreement ( which was signed fraudulently ). I had sent them proof of utility bills addressed to me which show a different address during the time that lease was in progress. Yet, they have not done anything and refuse to cooperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently tried to write a check and XXXX and another company. My check was denied and I as advised it was because of information reported to XXXX. I called XXXX and they advised JP MORGAN CHASE was reporting information to them. I do not have an account with Chase and have never had an account with them. I call them  and they advise it was my moms account, I explain I was only suppose to be the beneficiary not a cosigner. They advise the account is closed there is nothing they can do, they also state they show no money was owed on the account and the account is closed further they state they don't report to XXXX. I ask for any documentation to provide to XXXX stating I owe them no money and they refuse. My credit is being impacted, my ability to write checks and pay my bills is being impacted and they refuse to provide any information to me so that I can get this problem rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
My mortgage was recently sold to Fay Servicing, NMLS ID XXXX. I have been in the process of refinancing and was seeking the payoff schedule. My new mortgage broker requested in XX/XX/XXXX but I didn't receive anything. I then called in to request again on Friday XX/XX/XXXX. I was told there would be a rush job to have a new payoff created and emailed to me by my case manager XXXX XXXX direct number XXXX. I then called back in to follow up on Tuesday XX/XX/XXXX. It was communicated to me that the contact on the XX/XX/XXXX did not request a new payoff and did not notify my case manager. The person that I called on XX/XX/XXXX then said they would request a payoff and instruct my case manager to get her supervisor approval to rush job and then email me the document. I called back into Fay Servicing and left a voice mail for XXXX, my case manager on XX/XX/XXXX asking her to call me and follow up on the payoff. At this point I had rescheduled my closing to refinance two times. I called into Fay Servicing Wednesday XX/XX/XXXX and was instructed by XXXX XXXX to have my loan officer call in to obtain a loan payoff request. This was because my access to the account, under my ex wife's name, had expired according to FayServicing (attached email thread with ex wife and co-borrower XXXX XXXX). XXXX XXXX did do this and both him and I have called every day to follow up. I left  a voice mail for XXXX XXXX on XX/XX/XXXX. XXXX XXXX, mortgage broker, has called twice per day since payoff request and each time when finally talking with someone they could not provide the payoff amount.  I am currently scheduled to close on the refinance Friday XX/XX/XXXX. Any help on this matter is much appreciated. Please see all email attachments confirming ongoing attempts by myself, my co-borrower and my mortgage broker to obtain a payoff number as to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: FL

Complaint narrative:
Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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:
There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

Company response to consumer: Closed with explanation