vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed up for automatic payments to be processed by the credit card company ( Chase ). The terms do state that the amount of the payment may be reduced considering credits from purchase returns, etc. It also states that it will not advise what amount it will transfer in advance of the actual payment. It also does not state that the amount they reduce the payment amount could be to a level below the minimum required by the account terms to satisfy the minimum payment for the month. 

After following up with Chase regarding no payment having been processed for the month, I was told that not only did they reduce the payment to zero due to refunds in the following billing cycle, but that I would receive notice by mail that due to lack of payment, my account would be closed in the next month. They are effectively considering the account to be in default. 

I consider this to be a breach of terms on Chase 's part for failure to ensure that the minimum payment required for the account was met through our agreement for automatic payments. I consider this to be fraudulent as they are creating a deliberate situation for Customers to be considered in default on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX2. XX/XX/XXXX 3.XX/XX/XXXX XXXX XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX  6.XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXXXXXX  9. XX/XX/XXXXXXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX   12. XX/XX/XXXX 13.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 2019-04-27 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: Platinum Holdings Group, LLC
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX 6.  XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX XXXX 9. XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX 12. XX/XX/XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX 3. 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 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: FL

Complaint narrative:
Hello, i am a identity theft victim as shown on my credit report. 
i have no idea where this debt came from. 

after receiving the debt collection letter i called the company to ask additional information about the unknown debt over the phone ( ( XXXX ) XXXX ) after at least 15 calls i spoke with the a person which refused to give me the information and threatened me with collection on the credit report. 
After the phone call i sent a letter to " COAST TO COAST FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' with request of more information bout the debt such as : contract, my signature and any other related information about the debt.. ( copy of their debt collection letter attached to that letter as well ... ) its more than month and half and still nothing. 
ill ask to remove this collection notice from my credit report because a failure of debt proof .. 

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 2019-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I was a victim of a romance scam Stated his name is XXXX XXXX. He kept stating he kept having a series of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called XXXX. We exchanged emails, texts and calls. Stated he lives in XXXX NJ and was an international interior designer. Sent me what he claims is his passport with his picture. Eventually he claims to have gone to XXXX to care for his dying mom, who eventually died, with his son. His wallet got stolen and had no money, needed money for food, medical bills and funeral then for airfare. He claimed Doctor named XXXX XXXX took his kid to XXXX. Needed money for son. I am still in contact with him superficially. Now he states he is in XXXX and wants me to send money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through XXXX, He has also asked me to send money to people including a XXXX XXXX in LA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas and through Western Union XXXX XXXX Texas. Phone numbers he has used : XXXX, XXXX and is currently using : XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: MN

Complaint narrative:
i wrote equifax about XXXX XXXX reporting an unverified account on XX/XX/2019 certified mail return receipt and ask them to verify or remove it.To this date they have did neither one and im asking that this negative item be removed off my credit report if not done within the 30 days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XXXX XXXX XXXX 2. XXXX 3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I have tried to refinance my property through XXXX. While trying to refinance XXXX advised me that Ditech Financial LLC has a Lein against my property for a second mortgage that was paid in full on XX/XX/XXXX. I have attempted to get this resolved with Ditech since XX/XX/XXXX. I have made calls to Ditech, sent E-mails and letters to their company with documents proving that I have paid this second mortgage in full. Now I have lost {$1100.00} because of Ditech holding an Illegal Lein against my property. Ditech 's so called Customer service has not contacted me in any way to get this resolved. My next action will be to retain a Lawyer an file a Lawsuit against Ditech Financial LLC. Because Ditech is Illegally holding a Lein against my property, I can not Sell, Refinance or get a second mortgage on my property. Ditech owes me {$1100.00} so far in damages. Do not repeat do not get a mortgage through Ditech!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC
State: MO

Complaint narrative:
i wrote ACCELERATED FINANCIAL SO on XX/XX/2019 about this item they say i owe and i never heard from them since.asking them to verify or remove the negative item from my credit report.never gotten the item validated and it clearly has been past the 30 days required by law for them to answer back. certified letter is XXXX .this is damaging my credit

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 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Several disputes has been filed to have this item removed from my credit file. I never opened an account with XXXX or XXXX XXXX XXXX. 
Dates disputes has been filed with credit bureaus regarding this company was on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And this account still has not been removed from my credit file. I don't even use my credit for anything, I have a nothing on my credit file. I'm a XXXX year old XXXX XXXX, that don't even understand how to use my credit. Therefore, this account can't possibly belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
You did not offer an appropriate response, so I will explain. 

I went to open 2 new CD accounts at a bank I already had an online savings account. When I went to fund them, it insisted that I enter dollar amounts for all 3 accounts, but I didn't want to add money to my savings account, so I entered {$0.00}.

I found out days later that this actually created a 2nd Online Savings account, which I did not ask for and do not want. I also found out that instead of funding the 2 new CD accounts from my external bank, it funded 1 of them from my external account, but withdrew the other money from my online savings account, which again, I did not want. There was no warning that this would happen. I think their software is messed up and not properly tested.

You can not contact this bank electronically, which is a major problem, since I have a hard time doing this during business hours and do not have access to my data from my workplace.

I would suggest you ( CFPB ) add " Other '' to your choices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1 ) I have lived at the same address since I was XXXX years old ... over 55 years ... and have never used any other address. The address listed on my credit report of XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX, is totally fraudulent as no such address exists and I request that it be removed immediately. In fact, the U.S. Postal Service stopped using Rural Route addresses many years ago due to XX/XX/XXXX vehicles not being able to find the addresses. Therefore there are no longer any such addresses. 

2 ) The only employment I ever had was with the XXXX XXXX XXXX, where I retired as a XXXX, XXXX XXXX. 

3 ) The entry from XXXX XXXX XXXX was closed in good standing, in XX/XX/XXXX, almost 13 years ago, and it should have permanently been removed in XX/XX/XXXX. It WAS removed but is now back on my report. I am requesting that this entry be permanently removed immediately. 

I contacted Equifax by letter to dispute these entries on XX/XX/XXXX and my letter of dispute has been totally ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 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: OH

Complaint narrative:
Contacted bureau to investigate incorrect accounts. The company mentioned " verified as accurate '' but its not accurate. Not properly investigated. Accounts should not be reported no obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX my American Express credit card statement reflected a credit in the amount of {$380.00}. American Express listed the amount as a credit and then attempted to charge the amount for the amount credited. The amount was for a Travel Reservation that was cancelled. I contacted American Express customer services to inform them that the reservation was cancelled. American Express claimed to have investigated but did not. Responded back to me that they were rebilling me for the original credit that they previously issued and that the debt will appear on my upcoming statement. I rebutted the findings following the FTC " Fair Credit Billing Procedures. I responded to American Express via USPA Certified w/return receipt and again on XX/XX/XXXX. American Express did not respond. On XX/XX/XXXX I received a email from American Express informing me that I have a past due amount. New charges may also be declined. Per the Fair Credit Billing the period to resolve the dispute ( two billing cycles, but not more than 90 days has long past. American Express threaten to report to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have retained legal counsel and will be filing XXXX. Please cease and desist and do not credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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:
I CONTACTED EQUIFAX TO DISPUTE ACCOUNT DOES NOT BELONGS TO ME 3 TIMES. ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX TO LET THEM KNOW THIS NOT MY ACCOUNT. CREDITOR HAS NOT PROVIDED ANY PROOF THIS ACCOUNT BELONGS TO ME, THEREFORE SHOULD BE REMOVED OFF MY CREDIT FILE. I'VE NEVER APPLIED FOR ANYTHING IN MY NAME, IM ONLY XXXXYEARS OLD AND IM A XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX  resold an account to midland funding- who moved from XXXX, XXXX to XXXX, mi  according to credit data recently acquired. This account is reaged- XXXX  debt is actually owed. 

XXXX XXXX has abused my phone for over 120K in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with MCM/midland/encore capital to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX  on the dollar. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and mcm need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have lived at the same address since I was XXXX  years old, over 55 years, and I have never used any other address. The address listed on my credit report of " XXXX XXXX ", is totally fraudulent as no such address exists and I request that it be permanently removed immediately. In fact, the U.S. Postal Service stopped using XXXX XXXX addresses many years ago due to XX/XX/XXXX. Therefore, there are no longer ant such addresses. 
I contacted Experian by letter of dispute on XX/XX/XXXX and approximately one week later, Experian refused to remove the fraudulent address.

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 2019-04-27 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: AZ

Complaint narrative:
XXXX resold an account to XXXX XXXX- who moved from XXXX, NV to XXXX, mi according to credit data recently acquired. This account is reaged- XXXX debt is actually owed. 

XXXX  XXXX has abused my phone for over XXXX  in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with XXXX/XXXX/XXXX XXXX to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX   on the XXXX. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and XXXX need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.

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 2019-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I tried to make my payment online before the due date of XX/XX/XXXX. When logging in, the XXXX XXXX XXXX/Synchrony Bank system REQUIRES you to provide a phone number AND to give them permission to contact you via the mobile phone if you give them a mobile phone number. My only phone number is a work cell phone and I am not permitted to receive personal calls on it. It is impossible to proceed past the " Update Information Required ''  page without giving them permission to contact you via cell phone. 

After trying to make the online payment, I tried to call them at the service phone number XXXX. I was not able to make a phone payment because the agent required me to " verify my phone number '', and when I told them there shouldn't be one on the account, they told me I was " required to have a phone number '' and could not proceed without one. 

I again tried to call to make a payment on XX/XX/XXXX, and was again unable to pay my bill without giving them a phone number. 

I therefore mailed my check, on XX/XX/XXXX, and it was received and processed by Synchrony on XX/XX/XXXX, obviously after the XX/XX/XXXX due date.

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 monetary relief