vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have notified trans union of this error several times, and they refuse to update my credit report to report accurate data. Instead they send a letter to explain what inquiries are. I am full aware of what inquiries are, I am also aware of what I did and did not authorize which is why I reached out to Transunion to rectify this issue The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX  -XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX -XX/XX/XXXX 13. XXXX XXXXXX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX16. XXXX XXXX -XX/XX/XXXX17. XXXX  - XX/XX/XXXX 18. XXXX -XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Respectfully, 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 2018-03-22 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I am being Hit with a hard inquiry on XX/XX/2018. I did not make any such inquiry and would like it removed from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
I contacted originally back in year 2015 by Trident Asset Management for a debt from XXXX XXXX. At that time I instructed them that can not be true, because I had successfully returned all the equipment from the company, so there shouldn't be any debt. I even confirmed with XXXX that the equipment was returned and nothing was owed. However since then, I've been sent letters, harassing phone calls and a negative stain placed on my credit history. Such malicious and egregious besmirchment is both unfair and illegal. I would like this to be disputed entirely and removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I never received notice of this bill I was check my credit on XXXX   and saw this medical bill from : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  ( XXXX  ) XXXX Opened XX/XX/2017 ( 3 mos ) Placed for collection Original Creditor Name XXXX MEDICAL CENTER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received a letter on XX/XX/XXXX that is deceptive stating that my mortgage rate is expiring - actual quote " Because the rate on your loan will expire ''. My mortgage is an adjustable rate 30 year term originated in XXXX so my rate is not expiring but will reset in XXXX in accordance with my mortgage terms. They also frequently call and email me about refinancing which is harassment because I do not want to refinance at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. 
On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a  payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Company is not bonded in the state of Texas ; and they are reporting on 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 2018-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance is reporting a recent late payment on an account that was paid off and closed years ago. I was never late one time and was on auto draft. How can they update currently late when the loan is paid off!? When I call them they just transfer me around and say that they can not see the late or why because the account is so old. 
So nobody can help me. I need this resolved please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX  to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2017 I made a purchase at the XXXX XXXX XXXX convenience store. I purchased a few candy bars and a book. I watched the items being rung up at the POS terminal and saw that the amount was XXXX pesos, which I have the receipt for. When the sales person entered the amount on the credit card terminal I signed the pad and walked away with my receipt from the store. When we received our Chase statement in the mail we realized that although the charge on the register was XXXX pesos, our credit card was charged XXXX pesos. We contacted the credit card company and filed a dispute. The shop in XXXX provided my signed copy of the credit card receipt but not my itemized receipt. Chase has sided with the merchant whose business is now closed. They are unwilling to acknowledge in anyway that the merchant keyed in the amount incorrectly, and possibly fraudulently. Chase is telling me that the only recourse I have is to reopen the dispute. They are very unwilling to resolve the problem or listen to me. I feel that the merchant is being protected and I have no rights or recourse with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of  representations and warranties. 

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; SPS continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc. Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I took a call about reducing my rate - when I got a persona I asked them to stop calling me as I get these call almost every day. The person on the phone argued with me about my credit card debt, said they were from my CC company 's billing department, and why didn't I want to reduce my rate? I repeatedly told him I don't want any more calls then hung up on him as he tried to argue more. 

If it is my CC company it is Chase and the card is an Ink card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: SELECT PORTFOLIO SERVICING, INC.
State: ME

Complaint narrative:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, Select Portfolio Service and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I  stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jeffrey G. Lerman, P.C.
State: NY

Complaint narrative:
I received 2 letters from an Attorneys office about hospital bills I never received. I sent a letter to the attorneys office but never received validation of the debt. I am requesting that this attorney not contact me anymore and the original debtor contact me/send me verification of the debt so that these bills can be evaluated for hardship. I sent a letter to the attorney 's office and as of today I have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I spoke with XXXX XXXX from ACSI on XX/XX/2018 around XXXX CST, in regards to my student loan. Because of the experiences with collection agencies in the past I hired help on my student loans. When we called to set up a payment plan the collector refused to discuss payment option with me and my hired help on the line. I do not understand why I am not able to have someone on the line to help me understand my options. I have the right to have someone on the line that is looking for my best interest only. XXXX asked me if I was able to pay the whole balance off which I can not. Then I gave XXXX permission to speak to my hired help since I do not know what options are available. When my hired help tried to intervene and speak on my behalf, he started to talk over her and his tone was harsh and voice was loud. My hired help tried to explain what she was doing for me to get the best option for my student loans. XXXX XXXX was very rude to her, I have never experience such bad customer service, he was yelling over her and wouldn't allow her to tell him what my plan was for my student loans. It was extremely unprofessional for someone to treat me and my hired help like that regarding student loans. The way he went off on us on the phone is unacceptable, I do not want to deal with people like that regarding my student loans. He made me feel uncomfortable about how I may be treated if she wasn't on the line. Is this how service is provided to people who have student loan debt? I have worked in customer service before, you never want to yell at someone over the phone and talk over them and be as rude as he was. It was the most unprofessional phone call I have experienced with my student loans. My hired help tried to get the information that was needed for me and we were not able to get that, after she tried to get a supervisor on the phone I was so disguised I wanted to just end the call. I hope the proper repercussion comes after listening to that call since they said they record all the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Previously unresolved issue by CFPB, where agent ordered Paypal to pay {$2400.00} funds to this buyer, but Paypal had never paid claiming other person made the purchases a DELIBERATLY FALSE, DECEIVING STATEMENT. The same person made the purchases, and the funds to be deposited to THE SAME PERSON 'S ALREADY KNOWN SAME ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.

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