vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to XXXX, Transunion, and XXXX Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-20 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: CA

Complaint narrative:
I have reached out to XXXX, XXXX, and Equifax Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AL

Complaint narrative:
SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XXXX TO XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND TRANSUNION STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2.  PRIME ACCEPTANCE 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TCF NATIONAL BANK
State: NY

Complaint narrative:
I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: NY

Complaint narrative:
The balance of my federal Perkins loan is supposed to be cancelled for service as a full time XXXX XXXX. The company continues to Bill me for payment even though I 've sent paperwork more than once. Additionally, they do not answer email, phone, or mail. I 've tried numerous times. I 'm afraid it will affect my credit because of their negligence to respond. The company is www.acs-education.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AL

Complaint narrative:
SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XX/XX/XXXX- TO XX/XX/XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND XXXX STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2. XXXX XXXX 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received a Chase Auto Loan for a new car in 2012. I set the account up for automatic deductions from my bank account. These went like clockwork for five years. When the last payment was due Chase sent me a letter asking for a check with a specific amount that would pay off the loan. I sent them the check. When I looked at my checking account statement I saw that they processed my check and subsequently made an extra automatic deduction that they did n't deserve for a Paid-in-full loan. Apparently Chase is n't able to discern when it has been paid-in-full and will keep helping itself from your checking account until you go into Chase.com and stop them. When I tried to go into Chase.com the system would n't recognize me - probably because my loan was paid-in-full and thus my account was closed. This is the perfect feedback loop. You pay them in full but you ca n't get in to stop the payments because your account is paid in full. After about an hour I was able to get to someone with the technical ability to stop the payments. Now Chase is sitting on {$620.00} that belongs to me. I will be pleasantly surprised if I ever get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX. XXXX TX. XXXX, Cell # ( XXXX ) XXXX. I would like to submit a formal complaint against Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX AL. XXXX Ph # ( XXXX ) XXXX. I am currently going thru the process of purchasing a home and had my credit pulled, when that was done I found out that I had an old debt of {$66.00} with XXXX which was in collection with Amsher. I never received any calls or letters from this company about this debt so I was never made aware of it until now. I called the debt collector to pay my debt in full, when I spoke with them they had agreed to remove the debt from my credit report if I paid it in full which I happily did. Two months have passed by and the debt shows that it was paid but was never removed from my credit report, I tried numerous attempts to call and ask that they hold up their end of our agreement but every time I get someone on the phone and they realize I am not calling to pay a debt they rudely hang up on me. Now that I have paid them they want nothing to do with me and without them removing the debt from my credit report it has actually hurt my credit. I really wish I was smarter and had some type of agreement letter before paying these devious people who agreed to help me if I gave them the money they asked for. I believe this was a deceptive act to collect money from me for a debt I never knew existed. I would appreciate any help you can provide me in holding Amsher Collection Services accountable for their actions. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I sent a letter requesting validation of the debt and they refuse to respond, or speak to me at all. They told me that I needed an attorney or to have my attorney call them. I told them 6 different times I did not have an attorney to represent me. They have refused to correspond with me and will not remove the account from my credit bureaus. The original creditor even stated the account was a XXXX balance. I have been trying to remove this account to the point I even agreed to settle it to get it off of my reports and they will not tell me any information at all. PLEASE HELP!! I am trying to provide a home for my family and this has been a complete hinderance. I can not resolve the debt when they refuse to give me any information or speak with me. I just want this collection removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
KeyBank constantly overcharges my checking account on overdraft fees. I manage my money every month so that it would never go negative, however, because  KeyBank  processes transactions on random days it causes my account to be overdrawn multiple times. Transactions do n't get processed days later, even when I had the money to cover them, so my account always ends up being negative 10 days later, because my account is never up to date. Why? Those fees add up to hundreds so most of my paycheck usually goes to the bank just to cover the overdraft fees. Every overdraft fee is {$37.00}, so even if I only spent {$4.00} at a gas station thinking I had money on my account they would still charge me {$37.00} plus {$28.00} reoccurring overdraft fee -- - this is simply because, once again, my account balance is never up to date. Fix this  KeyBank  or I 'll never stop complaining about you. To everyone. To the internet. To the entire universe. Stop treating your clients as your bank account and start working for us like you 're supposed to. Last time I checked it 's not your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On or around  XXXX   XXXX ,   XXXX   there was an unauthorized transaction with my debit card and when I received the text message I replied no to not authorizing the charges. All of my accounts have been blocked and now I am responsible for the negative balance on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am using  XXXX , an app used to grant me access to my paycheck in advance.  XXXX  needs to be able to communicate with my bank in order to make sure I am able to receive my funds.  XXXX  has reported my bank delaying their response which effects how I get paid.

Company response to consumer: Closed with explanation