vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: KS

Complaint narrative:
Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. 
I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. 

The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from my credit file.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A deposit of XXXX and withdrawal of {$980.00} was made in my account onXX/XX/XXXX within a minute of eachother. It clearly looked like a scam so I contacted the bank and got a new card. They Initially refunded the {$980.00} withdrawal with a letter of apology along with crediting associated insufficient fund fees. They also took the XXXX back as it had insufficient funds. I have attached a copy of the check- I have no idea who they are- in fact, there were no signatures on the back side at all. On XX/XX/XXXX they took the {$980.00} out again as they disputed the case. I was at work and could in no way be at that ATM when this happened. I have attached a letter stating that. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
They are constantly calling threatening about this vehicle

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 2017-09-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I spoke with a representative from Chase Auto Finance and she offered me a deferment for the month of XXXX because my business fell upon hard times. We made an agreement to push my monthly payments from the XXXX of XXXX to the end of the loan. I 've requested Chase auto finance to review the phone call from the date of XXXX XXXX, and they submitted a request, and I requested the company to give me a call three times following the review, and I have n't heard anything back from them since. I 've already disputed the payment history with all 3 credit bureaus and have yet to get this issue resolved. On XXXX XXXX I went into the branch in XXXX Florida, at XXXX XXXX XXXX, XXXX XXXX, and made a payment of {$1000.00} dollars, and my monthly payment is only {$950.00} dollars. According to my contract my payment is not deemed late until after 30 calendar days. My payment due date was on XXXX XXXX, XXXX, and I made cash payment on XXXX XXXX, XXXX which was on the 30th calendar day. Which means credit report should n't have been reported late. If the company has moved my payment date to the end of the loan, my credit report should not have been reported late for the Month of XXXX and XXXX. This matter dropped my credit score significantly by more than 100 points and i would like this matter resolved, as it is my right as a citizen. I also made a payment of {$600.00} dollars on XXXX XXXX XXXX, and the law states that if a company receives a payment for the month of XXXX, XXXX within 30 days, the company Chase Auto Finance, can not report the payment late. I am asking that please change my credit report to be reflected immediately. 
My social security number is XXXX. My address is XXXX XXXX XXXX XXXX, XXXX fl, XXXX. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong 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 2017-09-18 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: PA

Complaint narrative:
Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, Transunion, XXXX, and XXXX. Transunion updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

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 2017-09-18 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: PA

Complaint narrative:
Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
part of the National Mortgage Settlement, BofA Modified my first TD and was to extinguish the 2nd Mortgage Lien. This is included in the judgment. its also listed on page 12 of the National consumer Law Center " understanding the National Mortgage Settlement '' it states : Bank of American delivers additional second-line mortgage relief to homeowners through an extinguishment program. The bank sends borrowers including those who have filed chapter XXXX or chapter XXXX bankruptcy, a one page letter describing the program. A Homeowner who does not want the mortgage lien extinguished must contact Bank of America within 30 days. if the homeowner does not respond, the second lien is released and the associated debt forgiven. Given the opt-out structure, participation rates in the program are reportedly extremely high. Bank of America reports these extinguished debts to credit bureaus as paid in full. .... this is my case, i currently have a creditor who is trying to foreclosure on my property relating to the 2nd mortgage that was extinguished through the National Mortgage Settlement judgment. They have filed for a notice of sale and was force to file Bankruptcy because they do not want listen and review the National Mortgage settlement act. B of A did not complete the process and filed the Recon to release the lien as stated in the law suit. My first was modified and part of the principle was forgiven. The company who is acting as the lien holder for the 2nd does not want to acknowledge and is requesting for the foreclosure proceedings to continue. Its been so much pain going through this process again knowing they dont have any rights for try and collect on a 2nd mortgage that was included in the National Mortgage Settlement judgment.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have received a letter with instructions to receive my FREE annual credit report from XXXX XXXX. 
This report is not FREE, as it is NOT being processed. Their telephone and website links are failures. The phone link will not get my clearly stated address correct ; the web link will not get past the security letters. I am accusing this credit reporting organization of intentionally avoiding provision of a FREE credit report from the 3 credit bureaus.
Inquiry ( my information ) Purpose : loan refinance, XXXX XXXX XXXX XXXX-2017

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 2017-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am having an issue with XXXX and transunion in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting transunion and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor transunion. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.

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 2017-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Promotional term was to receive XXXX delta airline miles if I accepted the American Express C.C. and spent at least {$1000.00} in the first 30 days. I met the terms and spent the required amount and much more. My account is in good standing and no late payments or other failings have occurred. My card was opened XXXX XXXX, XXXX. I spent the first {$1000.00} + within 72 hours. 

I began asking about my XXXX airline miles in XXXX, XXXX and every few weeks thereafter. Initially, I was told it was a four to six weeks wait. In early XXXX, the issue has now been referred to as a computer glitch and would be corrected in about two weeks. Every two weeks it is another two weeks.
I have been assured, repeatedly, that I have met all the terms to receive my miles and that I am not alone. I have been told during the last six weeks that it was a problem that effected thousands of people and it takes time to fix. 

I was lead to believe by a supervisor that it was n't actually a computer glitch but in fact a different sort of problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: VT

Complaint narrative:
This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.

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 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX called Wells Fargo and inquired about when my PMI would end. They told me three criteria, 2 of the 3 I will meet by XX/XX/XXXX but they then explained that the third criterion, to have a 78 % loan/value I would not meet until XX/XX/XXXX and that my home could not be appraised. I explained that the value of my home has nearly doubled in two years, I exceed 82 % loan/value at this time, conservatively. They then explained that this money is paid to XXXX and that I should contact them to inquire further. I contacted XXXX, spoke with a representative who told me I would need to call the Federal Trade Commission at XXXX. The Federal Trade Commission representative said that was incorrect, which I suspected, and referred me to the Consumer Financial Protection Bureau who explained the typical qualifications to end PMI payments, including that I can request " in writing that PMI is stopped when the home has 80 % loan/value ''. This detail was not mentioned by Wells Fargo on two separate occasions, but I already knew about this from my initial lender.

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 2017-09-18 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: FL

Complaint narrative:
I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help 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 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XXXX XXXX, I used PayPal to purchase two XXXX baskets for my pool. When I received them, they did not fit. I followed return instructions to receive a refund. 

I did not receive any refund until I sent an email inquiry and then I received a partial refund on XXXX XXXX. 

I sent two additional email queries, which were unanswered. 

I then filed a dispute with PayPal, which issued a conditional refund of {$10.00}, the amount I am seeking but has twice given me conflicting information about why they were ruling against me in the dispute. 

I want the conditional refund to become permanant and I want to end this dispute.

Company response to consumer: Closed with monetary relief