vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX 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 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
In XXXX, I noticed that a payment was made from my escrow account to my flood insurance company. However, I had previously paid the premium since it was due while we were still going through the refinance process and I was concerned it could/would get lost in the bureaucracy and my insurance would lapse ( I live on the water in Florida so one can imagine how important it is to maintain flood and hurricane insurance ). I contacted the mortgage company and after some investigation they determined that On XXXX XX/XX/2020, they did in fact receive a return as overpayment the {$2500.00} and it was being processed. 
Move forward to my XXXX statement and no return of the funds to my escrow account. When I explained the situation, customer care sent me to the insurance side of the company since it dealt with insurance. Insurance said they can not see my account at the level needed and said I needed to speak to customer care. I informed them that it was customer care who sent me to insurance. The representative said not to mention the insurance aspect when discussing the escrow refund. Customer care ultimately sent me back to insurance. Tried as I XXXX, I just could not get my point across without giving the story some context that it dealt with an insurance payment. So, after two hours of discussion between the two offices, the line was severed or ... 
I have since sent two e-mails to them and received no response. I really do not know if this rises to level of a complaint but I am at my wits end concerning what I have available to get relief- other than some civil action requiring a lawyer and likely to cost more than my r efund. Bottom Line - my escrow is shy {$2500.00} And it appears my mortgage company - Mortgage Solutions Financial refuses to or is incapable of refunding the returned amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
I do NOT owe anything on this XXXX XXXX  account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX  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 2020-09-14 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: FL

Complaint narrative:
I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, we closed on the sale of our property. XXXX XXXX XXXX XXXX received the pay off documents from 5/3rd Bank and proceeded with the closing on the sale of the house based on the closing packet 5/3rd Bank provided. XXXX XXXX XXXX XXXX wire transferred the funds requested for the payoff of the property. 5/3rd Bank has stated the mortgage is satisfied, but my husband and I have received numerous letters from HUD stating they are still owed money. XXXX XXXX XXXX XXXX has been very helpful on trying to get 5/3rd Bank to pay HUD as the funds were included in the payoff to 5/3rd Bank ( as directed in the payoff information provided by 5/3rd Bank ). 5/3rd Bank will not provide us with any information. The branch XXXX has been informed to tell us to call HUD and be done with trying to help us get this resolved. We have asked 5/3rd Bank for all of our records on the mortgage, but they refuse to provide them to us. At this point, it has been almost a year after we closed on the property and continue to go in a circle with trying to get this resolved. HUD has sent the loan to the creditors ( there are three credit hits for this one loan ) and also have sent letters to have my income garnished. Since the HUD loan was never sent the payoff funds, it has also accrued fees. We have done everything asked correctly to have the closing of the sale of this property successful. This is cause a major headache for my family financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
This company is reporting an account on my credit report with incomplete information. I had to contact the bureaus to find out who was reporting it since there was no creditor name or payment details. I then contacted American Accounts Advisors to have the validate this account and they have yet to respond. By law they're supposed to update the account as " disputed by consumer '' on my credit report which they have not done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NM

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
I cut the cord and terminated cable/internet services with XXXX ( XXXX XXXX XXXX XXXX ) five years ago for services not being rendered that I paid for. Three years ago XXXX XXXX XXXX XXXX  started to harass me over a {$120.00} fraudulent bill. I filed a compliant with CFPB and the harassment stopped up until recently the harassment started again by using yet another collection agency to harass me over the same fraudulent debt of {$120.00}. I am a victim of identity theft and discovered that in XX/XX/2020 AMSHER collection service filed a fraudulent claim to my credit report on behalf of XXXX XXXX XXXX XXXX once again harassing me over the {$120.00} fraudulent debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Amount : XXXX USD Payment ID : XXXX Description : Credit balance refund Reason for Refund : Credit balance refund Refund From : Chase Card Services This is the result of an ongoing CFPB case. 
This was the result of null and voiding a check sent to an address i can not access. They are trying again because this email that is meant to confirm the ACH deposit, or else a check will be sent is requiring me to make a new account. The email sent is the second attempt according to chase, and it arrived finally at XXXX this morning. This was the first as far as im concerned. The account creation is the new problem. No matter how i refine my desired password, the system wont accept it, and i can not move to the next step toward collecting my negative balance. Please punish chase ... this is upsetting, and now taking over a month, even with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have my Platinum charge card opened on XX/XX/XXXX. During that period, I am eligible to get my signup bonus for six months per temporary rules of American Express. On XX/XX/XXXX, I got my XXXX Member Rewards points because I reached the spending requirement. However, on XX/XX/XXXX, I got a notification regarding points adjustment. The notification claimed that I have refunds and they gon na remove my sign up bonus points. 

Let 's not to mention that how difficult these days we are not sure about our travel schedule. Therefore travel cancellation happens all the time. Even I cancelled my trip, I still met the spending requirement by XX/XX/XXXX - the deadline to reach spending requirement. I tried to call but they don't give it a XXXX. They always claim that after review, I am not eligible to get my sign-up bonus. 

I just wonder if Amex is trying to fraud their clients or potential clients. " If you have a refund during your first several months, you will fail to get sign-up bonus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am enrolled in automatic payments with Comenity Capital Bank which represents the My BJ 's Perks World Mastercard account I use. On XXXX XXXX they withdrew {$280.00}. This amount included the {$150.00} I owed from my XX/XX/2020 statement and the balance were charges from my yet to be billed XX/XX/2020 statement. 

When called and questioned, they could not offer any explanation for this other than there were credits applied to my account for some fraudulent charges. I find this unacceptable and, hopefully, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: M. G. Credit, Inc.
State: FL

Complaint narrative:
This bill is showing on credit report as collection when it should have been submitted to my dental insurance company! I have paid the bill just so that I can get this removed from my credit report and am requesting a payment for deletion due to the fact that I have insurance which definitely covers dental cleanings! Why this was not submitted to the insurance company is beyond me but I am tired of going back and forth about this! It's shame that consumers PAY FOR INSURANCE but for some reason providers are not using the insurance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
In XX/XX/2020, I sold my lease vehicle ( From Toyota ) to XXXX. XXXX subsequently mailed a check to Toyota Financial Services ( XXXX XXXX, IA XXXX ) and Toyota received the check on XX/XX/XXXX ( per XXXX ). It has been more than two weeks since Toyota has received the check, which is greater than the payoff amount. Thus, once they process the check they are supposed to send me a refund. In the meantime, I have to pay the car 's monthly lease until they process the check. 

During the week of XX/XX/2020 I contacted Toyota for a status update and was told that the check will be processed by Wednesday XX/XX/XXXX. On Monday, XX/XX/XXXX I called for a status update and was now told that the check will be processed during the week of XX/XX/XXXX. During all my calls, I was told to not make the lease payment that is due on XX/XX/XXXX ( I have call transcripts as evidence of this ). 

Based on the constant delays, Toyota is trying to avoid processing the check for some unknown reason. I have been a Toyota Financial client for 4-5 years and it is ridiculous that Toyota Financial is lying to their long-term client about check processing dates. Theoretically, the week of XX/XX/XXXX can become the XXXX, then XXXX, and so on. 

I am asking Toyota to process the check with all deliberate speed and then issue my check of {$220.00}, since the check they received from XXXX is larger than the outstanding lease by {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CT

Complaint narrative:
Experian lowered my XXXX score by 44 points in XXXX with no extraordinary activity on my account. It was lowered an additional 112 point today based on on a disputed collection. The phone numbers provided by Experian are a series of tele prompts and then disconnect you. There is no way to talk to a live person.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-09-14 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: OH

Complaint narrative:
I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS 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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
I voluntarily surrendered the XXXX XXXX in question back in XX/XX/XXXX. When I surrendered the vehicle, it was supposed to be sold at auction and the balance reduced for to show that the vehicle had sold and then I would receive a bill for the remainder of what was due. I began this loan in XXXX at {$14000.00} and not the loan is pushing {$30000.00} though the vehicle has since been given back and sold at auction. I have reached out the Prestige Financial to correct the balance and settle the account to make payments and have been given the run around with refusals at every turn for assistance in reducing this amount so that I can settle the account and have it cleared from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One is solely responsible for damage to my credit rating by -13 points from XXXX down to XXXX on XXXX XXXX. I contacted all 3 credit bureaus to find out why this drop had occurred and they all told me that Capital One was responsible for the 13 point drop. I called Capital One, and they told me on three different occasions ( one email and two phone calls ), that they decided to decrease my 14 - year credit card account ( which was in excellent standing ), credit limit from {$20000.00} to {$10000.00}. They told me that their company is restructuring their credit limits, and that they could not reverse the damage this did to my credit rating ( score ). XXXX and XXXX   disputed against Capital One on my behalf on XX/XX/2020, but Capital One still refused to reverse their decision, and repair the damage they had done to my credit score. I have put in a repeat dispute against Capital One this day, and am reporting the problem to your company, as well as the State Attorney General of my state ( South Carolina ). I have also sent in a 100 - word statement to the 3 credit reporting agencies to communicate to any credit inquiries what has transpired with my credit report. This sort of thing needs to be stopped, as credit is very important in this world, and to have it unnecessarily damaged by a credit card company is wrong. I did nothing to create this damage, and will do everything necessary to see that this damage is fixed. XXXX and XXXX has all supporting documents. Please contact me with any additional information that you may require to assist, and thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC
State: CO

Complaint narrative:
There is a negative impact to my credit report due to this creditor in the amount of {$2800.00} in which I do not owe. I am not responsible for this yet I am being negatively impacted on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CA

Complaint narrative:
In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.

Company response to consumer: Closed with explanation