vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CT

Complaint narrative:
1., XXXX never furnished proof of purchases With Over 5000 of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$XXXX} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am currently paying every pay check my child support to pay past due child support and on going child support, during the corona season there is no work and now they are not supposed to be reporting on my credit report being that I can not start a business to pay off the debit with them reporting every month I am behind and I am paying them every month and I have being paying them consistently for the last two years out of my pay check I have reached out to them for the past 4 months on XX/XX/2020, I have sent them letters in XX/XX/2020 disputing the amounts of XXXX and the past due amount of XXXX I am currently paying every month the amount due and they are inaccurtely reporting the payments are being made, they come directly out of my account they have two account with ILLInois XXXX, the company is not helping me with this unfair situation, I am on auto pay they take it right out of my paycheck I have reached out to them and they never notified me and this is effecting me I can not get a mortgage and this is a big deal not able to have my son with me or my daughter a place to stay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, Chase Bank 'locked ' my account due to suspicious activity after I tried to pay a lawyer {$370.00} by XXXX XXXX pay. But they sent me a code by text, I entered it, and it was initially accepted. 

They them emailed that it was cancelled. So I logged onto my account again, sent them a message instructing that the payment was valid and made it again. 

They then, 1. Cancelled the payment ( again ) ;, and 2. Locked me out of the account, instructing me to call XXXX. 

After over an hour of waiting on hold, I spoke to XXXX, who worked to redress the matter, without success. 

I realized that I would need to open another account at another bank because Chase has a documented history of doing this to people ( I know this from a Reddit thread ). 

I have the ability to open a new account with funds at another bank ; but others I am reading about have NO money and NO ACCESS to their money because of what Chase is doing -- locking us out of our accounts and then being unavailable to fix the situation. 

Chase Bank MUST be required to CHANGE their policies and procedures by creating a financial incentive for accuracy in these matters -- it is not sufficient justification to lock consumers away from funds due to Chase 's 'suspicion ' about transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
I used points from my Chase Sapphire Reserve card to make a car rental booking. I was then charged for the car rental as well. I have spent hours and hours dealing with both Chase and XXXX to resolve this issue. I have emails from Chase and XXXX saying they agreed I was double billed, but Chase still has not taken off the charge from my credit card. The car rental was from XXXX XXXX, 2020. Points were deducted from my account on XX/XX/2020 in the amount of XXXX points worth {$740.00}. They even deducted too many points and technically owe me {$83.00} back or the point equivalency as well. Then my card was charged {$660.00} on XX/XX/2020 by XXXX for the rental. I still have not received a refund and my points are still gone. I have spent hours on the phone with both Chase and XXXX and exchanged numerous emails as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 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: NE

Complaint narrative:
The credit bureau is reporting an account with child support enforcement on my credit report. I have never owed child support and this was reported and confirmed to be fraud. I have disputed this item several times with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: OH

Complaint narrative:
I had a personal loan with Discover Bank and the wife ( now deceased ) and I did a debt program through XXXX XXXX for consolidating and reducing our debt after I retired. The debt was settled on time and on schedule by the approval of the Court. The amount is showing up on a JUDGMENT OF LIEN ( XXXX ) AND DATED XX/XX/XXXX AND RECORDED XX/XX/XXXX, CASE # : XXXX. 

This agreed settlement was paid as agreed.Originally {$10.00}, XXXX and the agreed amount was {$5200.00}. The judgment was on Case number XXXX in XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX XXXX and on XXXX XXXX, XXXX XXXX  XXXX. 
The Case was switched from XXXX and XXXX to XXXX and XXXX, XXXX. midway through somehow, I don't know, as both worked on behalf of Discovery. I have the cancelled checks made out to XXXX XXXX XXXX - they cashed them. There seems to be a mix up that I was unaware of until applying to refinance my home to get some money to help my XXXX son get a home of his own. I was informed by XXXX that there is a lien on my property. The only LIEN number I was aware of is XXXX in association to the case number for Discover under XXXXXXXX XXXX XXXX  XXXX. The Case Number with them was XXXX. I have the canceled checks, letter from the court that the lien is released, so I'm mystified and upset that this was not taken care of. Divcover has assigned the amount to other debt collectors after it was paid off, and I have some of these to show they are either inept, crooked, or thieves? Take your pick. I need this resolved and consider it age harassment - they must think I forgot I paid them?????? The LIEN on the home for Discovery is XXXX, which is not what my Court Document gives - yet Discovery and the dollar amount is the same. They have repeatedly said this was taken care of and they would not be assigning further debt collectors, but why is the LIEN on my home not released? Further harasment, age abuse, or just inept business/legal teams that can't keep a case correctly? Your help is much appreciated. THANKS! Also important - They reported the full amount of the {$10000.00} figure on a 1099 to the IRS for LAST year, even though it was paid off for less than owed in years before - about half. I did try to contact them on this mis reporting my tax liability, both in the amount and the year. I never heard back from them on that either! So why are they doing these things? Total harassment in my opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Because of COVID, I spoke to Lincoln and they asked me to keep the vehicle due to COVID. 
I listened to what they said and kept the vehicle for an additional 2 months. 

They charged me for keeping the vehicle and didn't tell me that I owed them additional funds. Nothing was ever mailed or emailed to me to notify me of the extra charges. 

As of this morning, I paid the additional charges because I understand that I had the vehicle and I am fine paying these extra charges - however, due to these extra charges being owed without my knowledge, this hit my credit report with 30 day lates. 
Confirmation of payment is XXXX I am outraged. We are in a Pandemic and I listed to what Lincoln Financial told me to do and now my credit has taken a huge hit because of these lates that I wasn't aware of until today and it was a result of what Lincoln told me to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I currently have a mortgage with XXXX XXXX XXXX PHH Bank ). Two months ago my monthly mortgage payment was decreased because I was overpaying towards the escrow. My account is set up with flex pay in where my mortgagee payments are withdrawn from my account twice a month. PHH bank for the last two month has been charging my mortgage twice. They have charged my account twice for the flex pay and in addition charged the full monthly payment on the XXXX of the month. This has caused me to pay over {$100.00} in overdraft fee 's in my personal checking account and to date I've made XXXX calls to PHH and no one has been able to resolve my issue. I've been dealing with this stress for the past two month with no resolution. 

Now when I call I get told by the escalation department that one of the supervisors has my case open and they will send her a message to call me back. She should be calling my within 24-48hrs. We are now at 72hrs and I still haven't received a call back. 

Currently, my mortgage account states that I have a late payment which is not the case. In addition, I've received emails and letters from PHH stating that my account is over due and that they will be charging me a late fee and in addition a return payment fee because one of the payments was returned. I've never paid my mortgage late and/or missed a payment. 

I went to XXXX XXXX in person to see if anyone can assist me and was informed that the mortgages are handled by PHH and there is nothing they can do for me. 

I don't understand on how technology is so advanced now a days it has taken 2 months to fix the auto deduction on my account and difficult for me to find someone that can help. Everyone I speak to blames the other person and passes the buck. 

These past two month has been extremely overwhelming and stressful in trying to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My XXXX checking accounts are restricted. I have not received any information from the bank. When I contact the bank, they tell me they can not give me any information. My account la have been restricted since XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN DID NOT NOTIFY ME OF THE RESULT OF THE XXXX DISPUTES THAT I FILED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Received multiple calls and letters from Phoenix Financial Services naming the creditor as XXXX XXXX XXXX XXXX. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by Phx Fin Srv once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX pm cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/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 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Cant link my account with internet products, want to nuy stocks at XXXX and my bank is blockin the linking process

Company response to consumer: Closed with explanation