vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express business card was charged with fraud transactions but I wasnt been able to access transactions on the account and I wasnt even offered a replacement card the card went dramatically $ XXXX {$1700.00} from the used amount. 

Always made payments on time no late payment. Waited over 3-4 months they said they called multiple times but havent received any calls there calls say spam risk and they say its not under there control and they havent left any voicemail or letter.

Then one day I get a voicemail from collection agency and its debt from American Express which I was willing to pay in full but only if they let me see my statements and provide me a replacement card.

Even my 2 other personal accounts accounts I cant see statements last representative offering me payment program after closing my accounts but my accounts already closed despite me making payments on time.

Called them 100 times wasted hours no solution from one department to another. Fraud charges on my business account were a lot. Also my two personal accounts were already closed despite them offering the program.

Reason they gave for closing my 2 personal accounts is my fico score and some fraud activity. My fico score fell because of the business account which they gave to collection because of non payment.

Business account and all other account no access to statements kept telling them I cant access it they said they will send it in mail didnt receive it.

Ask representatives for solution they say they cant do anything or they disconnect.

I am willing to pay for what I used no fraud charges or late fees they have applied on my accounts.

The account with fraudulent activity should be investigated. It shouldnt be sent to collection agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 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:
On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.

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 2019-09-12 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX  XXXX  XXXX  Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
On XX/XX/XXXX, I sent a certified dispute letter to Experian stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from Experian stating the following : " Outcome : Remains - the company that reported the information has certified to Experian that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I was told by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I had been over paid when I was working for the XXXX XXXX as a civilian employee. I requested time cards and pay statements from XXXX on five separate occasions over a two year period and all they would send me was the pay periods that I was over paid, not enough data to determine if I was actually over paid. I noticed back in XXXX of 2019 that the treasury has started taking money out of my pay check. About two weeks after this started I received a phone call from Trans World collection company and they informed me that they were a third collecting a debt for the department of treasury. The representative told me that I owed the treasury a little over {$5800.00} and I told them the original debt {$4500.00} she explained the additional amount was late charges. I explained to her that I have never even received the requested information to determine if this was actually an over payment or a time card error. She told me if I settled the debt within two weeks I would only have to pay {$4600.00}. I told her that I had already had {$1200.00} Taken out of my check. She said she can not see the money that had already come out of my check so I would have to pay the full {$4600.00} and I would get the over payment back form the treasury. Five months have gone by and numerous calls to XXXX and the treasury and still have not received my money .I have asked Trans World six times for a compromise letter stating what was agreed to in the settlement and still have not received this. I did record on audio the conversation with Trans World so if needed I can provide .representative from XXXX  actually had the nerve to tell me that I should get my {$1200.00} back from Trans World . As far as I know if the government contracts with a third party they are responsible for the actions of their contractor Not me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: GA

Complaint narrative:
On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery called me onXX/XX/XXXX @ XXXX PST. Called from : XXXX. Deleted other calls in call-log, so I don't have them. 

When I don't answer the phone they do not leave a voicemail. 

The two times I have answered the phone and played their game, they : Refuse to identify themselves. They just say they're collecting a debt.

Ask for my SSN before speaking with me about anything Refuse to send me anything in writing I absolutely will not cooperate with any agency who behaves this way. I have asked them twice to stop calling me. I don't know if they even heard me because after insulting me about refusing to provide my identity to a stranger, they hang up on me.

The only reason I know they're from Portfolio is because I XXXX the number. Beyond annoyed with these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}

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 explanation
Consumer complaint received 2019-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Sometime ago I completed a loss mitigation package to Freedom Mortgage. During the process Freedom Mortgage continues to delay decisioning my package and continues to request more paperwork ( some which isn't required per their policy. ) I have spoken to several agents on multiple occasions ( Agent ID XXXX, Agent ID XXXX ) and unfortunately there is a knowledge and/or communication gap within the process. As of today, I still have not received a decision.

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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have received repeated calls at work and on my personal phone number from XXXX XXXX and XXXX XXXX claiming they are attorneys who are attempting to sue me because I will not pay a debt they say I owe. I have repeatedly asked for written correspondence for the debt and have never received it. I have repeatedly asked them not to call me at work and to not call me personal phone either, yet they continue to call. Today, XXXX/XXXX/19, they attempted to call my work and called the CEO 's office and told them they were trying to track me down for a criminal matter. I received the attached email from our HR department who received a call from the CEO 's office stating what XXXX XXXX said to them. Every time they call, they call from XXXX, which is the number for D. Scott Carruthers a debt collection firm. I want these phone calls to stop now! They are obviously trying to get me fired or this is some kind of scam. If this was legitimate debt collection they would obey the laws and send me something in writing and would also stop the phone calls when told to do so. I don't owe them anything that I know of and they refuse to send me anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX  account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX someone made a purchase using my debit card for {$470.00} at a XXXX XXXX XXXX XXXX XXXX for {$520.00} On the same day. Chase Bank caught both FAKE transactions and reversed it at that time. I received a letter from XXXX in XXXX that they investigated the XXXX XXXX XXXX transaction and found that it was processed correctly i informed XXXX that I've never been to a XXXX XXXX  in my life and ask what proof did they of it. XXXX sent me a copy of the receipt from XXXX XXXX that was sent to them with a FAKE signature of mine and someone by the name of XXXX XXXX picked up the order ( not me ). I asked for a copy from XXXX, they mailed it out to me and just like I thought not my signature, so I called XXXX back after to state my claim and they told me there's nothing else they can do. I'm no {$470.00} is not a whole lot of money but it is my money somebody stole from me and I just want it back ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
Not sure if this is the place to inquire about this process - I applied for a convention loan during a recent home purchase, but was told by the mortgage broker ( XXXX XXXX - Cross Country Mortgage ) that i didnt qualify for a conventional mortgage - although my credit score at the time was 720+ and we put down ~10 % towards the loan. 

I was put into an FHA loan with FHA insurance, and i am wondering if i shouldv'e received more information relative to a conventional loan denial other than just being told by the lender. I didnt receive any formal paperwork or documentation of that. 

I have also recently found out that the mortgage broker whom i was directed to, works closely with the builder and real estate broker, so i am not sure if i was given the best rates and options for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation