vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have attempted to open a bank account with Chase Bank several times over the years and have continuously had my account closed within 24hours of opening, even after finding the account, without any explanation. I have reached out to Chase and the only thing U can think is because I filed Bankruptcy which was dismissed nearly 5 years ago - with no history of a Chase account ever being included. 
I have Good credit, no XXXX  XXXX records, bank accounts with every other major financial institution and large amounts of liquid reserves. This can only be due discrimination! They have caused me severe financial hardship as my auto loan is in the name of my mother because Chase refused to lend to me without cause. All of my credit cards are Chase backed but I'm only an authorized user despite the fact I pay all of the statements on over XXXX in revolving credit lines. This makes no sense and I am begging for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: MI

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, Transunion and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.

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 2019-04-03 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: MI

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, XXXX and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: MI

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with Experian, XXXX and Experian nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a mortgage with quicken loans I'm on a fixed income for XXXX. Between XXXX and XX/XX/2018 I have four escrow analysis is because they couldn't get my taxes right they were wildly off. the first three made my mortgage payment so high I couldn't afford to make them.The mortgage company knew that there was a error in the analysis that cause this but expecting me to make the payment until they could reanalysis it. Thankfully this is all fixed before I had to make a payment on my mortgage and I ended up not falling behind. Now they lost an entire check car mortgage payment it was kind of stuff I have the paperwork showing it was cashed expecting me to still make my mortgage payment even though I have the bank records showing that they cashed the check. Expects me to make the payment until they can find the money even though I have the paperwork and all they had to do was call the bank to verify that the paperwork is real. quicken loans constantly keeps making mistakes on my loan that could cost me to foreclose on my house to default on my loan. They keep making mistakes that could put me behind on my loan or make it to where I can't afford my loan. Every time they make a mistake they expect me to pay more until they correct it even though they know they made a mistake. I sign this is predatory I feel like they're doing this so that way I am forced to foreclose on my house and the value of my home has increased so greatly in the first year of ownership that they would make 50 Grand if I were to foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My complaint is about my Home Depot Credit Card Account. I have had this account for approximately nine years. I have never been one minute late on my payments. I have made several large purchases and taken advantage of zero percent financing. My line of credit as of XX/XX/2019 was {$3000.00}, which I consider adequate. My payment due date is on the XXXX of each month. I make my payments online on the due date, always before Midnight. On XX/XX/2019, at approximately XXXX XXXX, I logged on to my account to make my payment. I noticed a discrepancy in my balance which turned out to be a late fee posted to my account on XX/XX/2019. Note that the date had not changed. I submitted my payment and then immediately called customer service to question the late fee. I was assured that my payment was indeed NOT late there was a problem with the website and the late fee would be removed. Approximately two weeks later, I received a letter stating that my credit line was reduced from {$3000.00} to XXXX due to a recent delinquency. The next day I received an account statement showing a past due amount and a late fee. 
When I complained to customer service my complaint fell on deaf ears. I went online, logged in and found that the late fee was removed but my credit line was not restored. I do not think I have been treated fairly because the alleged " delinquency '' was caused by their error and was not a result of my payment being late.I am curious as to how many other customers were affected and did not notice the error. I have two local attorneys researching this matter in order to prepare a class action lawsuit or an individual lawsuit for myself.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a flood in my house which my insurance paid me $ XXXX to fix. XXXX was quick to issue my check and unfortunately, Shellpoint has not followed their own procedures or california law with respect to releasing the funds owed to me. I am XXXX weeks pregnant, already displaced from my house, and now unable to pay contractors who have been working to repair my home. I have one threatening a lien, one is saying they will leave the job and I have paid XXXX out of my own pocket when I am paying for living expenses and my mortgage already. 

I have called and emailed Shellpoint every day from XX/XX/XXXX, since after they received and cashed the XXXX insurance claim check. 

XXXX XXXX the Loss Mitigation analyst has not responded to me in over a week. 
I escalated to XXXX XXXX he also stopped responding. 
I had to refuse to hang up to reach the manager XXXX XXXX, who now has all documentation and is well aware Shellpoint refuses to pay money until an inspection is scheduled. 

The inspection has been requested every day from XX/XX/XXXX. They refuse to let me order my own inspection, they refuse to give me the inspection company name. I dont know how else to get access to these funds owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: The J. G. Wentworth Company
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX, I placed a call into XXXX XXXX XXXX to inquire about a approved {$800.00} pre-settlement loan. I was following up on a report from my bank XXXX XXXX who reported that when there was an attempt to collect the amount from the XXXX XXXX account, XXXX XXXX stated to me that there was XXXX amount showing for the XXXX XXXX 's account and the check I had received by mail from this Company was put on hold so, I immediately called the XXXX XXXX and asked why was that check put on hold and I was swiched over to a person who reluctantly gave the first name XXXX and claimed to be the company 's owner so, when I attemted to ask this gentlemen name XXXX about the {$800.00} approved check being frozen by my bank, he then in a hurried voice stated that his company was hacked and his holdings and funds were liquidated, and I ask him did they have insurance to cover their losses and his reply was " hey bud you and everyone else 's money is gone so what do you want me to do about it and you need to pay your bills and you will not need money, just pay your bills '', and I then feeling insulted has a patron who had filed a contract that both me and my attorney signed off on with this company replied to this individual that he would hear from my Attorney and I was going to report him to the prooer authorities and he respinded " go ahead, I don't care '' and I terminated the call whike trying to stay calm and collected. This Company was confirmed by XXXX XXXX XXXX that XXXX XXXX XXXX is a Co-Partning Company with XXXX. XXXX XXXX XXXX address given is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania 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 2019-04-03 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: CA

Complaint narrative:
In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with Experian for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for Experian not to use the XXXX or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau Experian has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that Experian has on file for me because I have contacted this XXXX XXXX  company and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted Experian via certified mail # XXXX and again via cert mail 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 2019-04-03 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: CA

Complaint narrative:
In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with XXXX  for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for XXXX  not to use the XXXX  or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau XXXX has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that XXXX  has on file for me because I have contacted this XXXX XXXX XXXX and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted XXXX  via certified mail # XXXX and again via cert mail XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX my XXXX account was compromised and my card information on the account was used for 9 different transactions for a total of {$820.00}. After reading my email on XX/XX/XXXX I noticed an email confirmation for something i did not buy. I immediately called the XXXX XXXX XXXX   XXXX  customer service and put a block on my card and had them send me a new one. I tried to contact the seller " XXXX '' to get a refund. They told me i need to contact XXXX and get a refund through them. I proceeded to file a dispute claim through XXXX for all 9 transaction. After a couple days i got a Refund on 3 of the transactions for {$61.00}, {$36.00}, {$56.00} for a total of {$150.00}. XXXX XXXX sent me a form on XX/XX/XXXX that i completed with all of the above information. They sent me a letter dated XX/XX/XXXX that stated " Based on the results of this investigation, your claim has been denied due to inconsistent conflicting information given.You have the right to request copies of the documents that we relied on in making our determination. We consider this claim resolved and your claim has been closed. '' On XX/XX/XXXX i wrote them a letter stating that i would like them to reopen the claim and credit me for the total amount minus what was already refunded, {$670.00}. I also stated that i would like to request the documents that they used for their investigation. It is now XX/XX/XXXX and i have not received a letter from them yet. All of the transactions are listed below, including the three refunds i received through XXXX. I would like to have my account credited for {$670.00}. 



XX/XX/XXXX XXXX ( {$590.00} ) {$1900.00} XXXX *XXXX.XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$59.00} ) {$1600.00} XXXX *XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$63.00} ) {$1700.00} XXXX *XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1700.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1700.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$36.00} ) {$1800.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX  XXXX XXXX XX/XX/XXXX XXXX ( {$61.00} ) {$1800.00} XXXX XXXXXXXX XXXX *XXXX XXXX XXXX  XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX   XXXX  XX/XX/XXXX XXXX ( {$41.00} ) {$1900.00} XXXX *XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$55.00} ) {$1900.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$2000.00} XXXX XXXX-XXXX  XXXX XXXX  XX/XX/XXXX XXXX ( {$56.00} ) {$2000.00} XXXX *XXXX XXXX *XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX  XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. 

For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX  to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX   proof of the XXXX payment. 

After several calls between XXXX  and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX  took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. 

I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX  to again show the purchase was paid on my XXXX account, not via a XXXX  credit card. 

I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. 
If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. 

XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have 4 hard inquiries on my credit report and that should be the right number, but its 8 of them on there with most of being American Express. I do not recognize those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I been incarcerated since XX/XX/2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.

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