vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
2018 XX/XX/XXXX, I found out that {$25.00} has been debited from my chase premier plus checking account as service fee. I called customer service at XXXX XXXX eastern time on XX/XX/XXXX. The customer care representative informed me that the fee was levied because my combined account balance ( savings + checking ) during the XXXX statement cycle went below {$15000.00}. Nonetheless, she returned the fee as a courtesy to me. 

I checked my statement and found that my balance never went below {$15000.00} according to the statement. In contrast to the numeric evidence there was a line on the statement and I quote - " Your average qualifying deposit and investment balance was {$14000.00} ''. At this point I was not sure if I was reading the statement wrong. So, I called chase again at XXXX XXXX  eastern time. I was informed that I was not reading it wrong. 

I informed them that I would like to complain. They could not give me an email id and gave me a physical mailing address in XXXX Texas. 

I want to know if I am making a mistake in reading the account balance or understanding of qualifying deposits balance. If there is no mistake on my part, I would like to know an explanation of what caused such a huge error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been in contact with equifax trying to get the inquiry XXXX from XX/XX/XXXX, off of my credit report. I DID NOT EVER AUTHORIZE permission for the said company to pull my credit. I won't this to be removed as ensured by federal law. Also at this time I'm also seeing a new inquiry listed as XXXX inquiry date XX/XX/XXXX from business type Miscellaneous Reptg. Agenciesthis was not on my report two weeks ago and is damaging my report. Why all of a sudden is this XX/XX/XXXX inquiry effecting me? This goes against federal law FCRA. There is no contact information provided for this frivolous inquiry. And I never ever received a letter for this as well. 
XXXX XXXX XXXX  has removed this inquiry from my XXXX report and I demand it to also be removed from Equifax immediately per FCRA. I also want validity and verification of the other mentioned inquiry and I want it removed. I Do not want to be forced to bring a small claims suit for restitution on this matter but will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please see previous submission. I have more than 80 % loan to value. When I closed I had a 95 % LTV, but the appraisal came in so high I was instructed to call my lender and request the re-eval due to the appraisal being so much higher than the purchase price. I called Wells Fargo numerous, numerous times, probably XXXXive or six and they stated they were looking into it. Then I received notice that I had to pay for another appraisal, I stated, no, they told me they would be using the original appraisal and basing the new LTV against that as I had immediately followed up when I closed. I finally filed a claim in XX/XX/XXXX, waiting all this time for them to now respond to an issue that is not an issue. The issue is that my LTV is greater than 80 % now and all the way back to the closing ( XX/XX/2017 ). I knew my LTV when I closed, again, being told with the appraisal coming in so high, I would have the mortgage insurance dropped. This is unlawful to charge me for mortgage insurance when my LTV exceeds 80 %. The LTV was to be reviewed since the appraisal came in ( at closing ) and here we are almost a year later with no resolve. Do I hire an attorney or are there legal departments that I can escalate this? 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 2018-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Due to hardship financial situation and death in the family at the time, it shows that I have late payment ( s ) for Capital One and Kohls. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To whom it may concern, I have an issue with XXXX XXXX, XXXX, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that Midland Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my XXXX and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to XXXX, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to XXXX, XXXX, and Midland, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. XXXX   and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called XXXX XXXX I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX and XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX and XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

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 2018-07-07 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: TX

Complaint narrative:
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: TX

Complaint narrative:
This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: NJ

Complaint narrative:
To whom it may concern, I have an issue with XXXX XXXX, Experian, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that XXXX Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my Experian and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to Experian, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to Experian, XXXX, and XXXX, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. Experian and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,

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 2018-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of New Century Financial Services. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called New Century I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX XXXX XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX XXXX XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.

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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: VT

Complaint narrative:
same call every day from penn credit corp -- XXXX never did business with this company even call on a sunday

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American First Finance, Inc.
State: MI

Complaint narrative:
American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
The company that keeps calling me before XXXX is called XXXX ( XXXX ) XXXX I have asked them many times to stop calling me and now they have a robot calling me every week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I can't get no credit, I been trying to get credit for many years and always been denied, I'm a hard worker and make enough money to covers my debt.

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 2018-07-07 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: TX

Complaint narrative:
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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