vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This account is being reported inaccurately. This account is already PAID and with no balance. Also, XXXX  & XXXX is reporting this as CURRENT & PAID while XXXX is reporting Late 120 Days. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. 

A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their 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 non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: KY

Complaint narrative:
They been taking money out of my account and its been non consistent payment types ones its XXXX $ then its XXXX . But non of this is showing the report on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
XX/XX/XXXX - I set up a 3 month payment plan to bring my 2nd mortgage current. It consisted of 3 consecutive payment to be made in XXXX, XXXX, & XX/XX/XXXX. After making the XX/XX/XXXX payment my account would be current with the next payment due by XX/XX/XXXX. 

~ between XX/XX/XXXX - XXXX - I received a statement from PHH stating that I owed {$410.00} ( current mortgage plus {$26.00} in late fees ) on XX/XX/XXXX. This made no sense to me since I had made my XX/XX/XXXX on XXXX which showed on my statement ; however, PHH failed to apply that payment appropriately. 

- ~ XX/XX/XXXX - I spoke with XXXX ( id - XXXX ) who informed me that he would get the payment applied properly. 

> XX/XX/XXXX - I received another bill from PHH stating that I was two months behind on my mortgage and owed {$790.00} by XX/XX/XXXX. This statement showed that the {$410.00} had been applied to the principal. 

- I called PHH again and spoke with XXXX ( id - XXXX  ) who informed me that she would get this fixed and reversed. 

- XXXX - I called PHH and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. He put me on hold for 25 minutes and then somehow I was disconnected. 
- XXXX - I called PHH back after the disconnect and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. She stated that XXXX had entered the wrong information and my payment was still not applied appropriately. She said she would request a reversal so that the funds would be applied correctly to my account. 

XXXX - I called PHH again to follow-up on the reversal request - after being on hold for 30 minutes I finally spoke with Mahvette ( id-? ) who informed me that the reversal request was rejected with no reason given. She offered to transfer me to an Escalation Team Member - to take no longer than 7 minutes. 

XXXX transferred me to XXXX ( id - XXXX ) who told me I needed to speak with an Escalation Manager. After being on hold for over 40 minutes, I was not able to speak to a manager. XXXX offered to have them call me back ( expected response time 24 - 48 hours ). I also requested the direct number to Escalation ( XXXX ) XXXX in case I wanted to call them myself instead of waiting. He apologized for the wait. He also checked on me periodically while I was on hold. 
I have been trying to resolve this issue with PHH for over a month to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a statement from Pay Pal Credit last month ( XX/XX/XXXX) telling me that my account was past due. I do not have/have never had an account with this company and I most certainly have not made any debts with the company. At that time I tried to contact the company, but the first thing that they asked for was my social security number. That convinced me that this was a scam. I could not make human contact, only recordings. I have received a statement ( this month which is XX/XX/XXXX ) with an account summary which gives a previous balance of {$1300.00} ; zero payments & credits ; $ XXXX fees ; interest- {$9.00} ; new balance- {$1400.00}. On the payment information side- New balance {$1400.00} ; amount past due ( in red ) {$73.00} ; minimum payment due- {$130.00} ; date due XX/XX/19 ; amount to avoid standard and deferred interest on your next statement {$470.00}. I had not heard of this company until last month. There is nothing in either letter that says what I have purchased and the cost of the item. It just gives an arbitrary amount that I owe and should pay. This is not the way that legitimate companies operate. I have not purchased, or borrowed anything/amount from this company. I am not the only person with my name in GA.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this due to non-compliance with the bureaus ( XXXX, TransUnion, and XXXX  ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-18 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: NJ

Complaint narrative:
I am writing this due to non-compliance with the bureaus ( Experian, XXXX, and XXXX ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ 297 Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
There was an account with Prime Acceptance corp that I stated I was not the joint signer on. It was fraudulent. After email the account manager or rep the supervisor agreed to remove these accounts from all of my credit reports, which they did and I still have the email correspondence from this. Now they have sold the account and this has been illegally reinserted on my credit reports.

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
I have received harassing calls from companies/organizations claiming to be associated with XXXX XXXX XXXX regarding my current cable account. The numbers they call from are different but I most often receive calls from ( XXXX ) XXXX. Ive received the most recent calls and voicemails from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however other calls and voicemails have come from different numbers for the past year making the same claims. 

The most recent calls have been from ( XXXX ) XXXX. These calls occurred on XX/XX/XXXX and XX/XX/XXXX. Ive spoken to these people, who have hung up on me numerous times when I state how uncomfortable I am when I refuse to share personal information. They state that I have an unresolved debt with my current cable company. 

I have called my current cable company, as well as logged into my online account and its been confirmed numerous times that I have a {$0.00} balance. 

The numbers that call me often call after normal business hours and use harassing language and threatening tactics. They have threatened to continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a pretty savvy consumer and already knew what my credit score was in XX/XX/2018 because I just bought my daughter a car in XX/XX/2018 and saw my scores at the dealership. Transunion has been billing me XXXX a month for a credit monitoring service since XX/XX/2018 but it has been buried in my XXXX bill and I just noticed it. I disputed the charges but they can only dispute 60 days, I called Transunion and asked how I got signed up for this 'deal ' and they said I signed up for a trial offer for XXXX and didn't cancel ... again, I had no need to check my credit scores at that time so I believe this is fraud. They also claim I used my work address and I never use that address for any personal commercial business because XXXX flags that activity ( screen shot attached ) I have cancelled but I believe I should be refunded all of my money : 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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

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 2019-10-18 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: NJ

Complaint narrative:
Debt Midland funding {$590.00} $ XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: Midwest Recovery Systems
State: AZ

Complaint narrative:
On XXXX XXXX, 2019 Midwest Recovery Systems falsely reported to the credit bureaus that I owned {$500.00} for an unpaid balance due to a company that Ive never heard of. 

I contacted them immediately and have not been able to get in touch with them. I have attempted to reach them via fax, email and calling. No one is available. 

The company this alleged debt was acquired under is not a real company that I can find. I have searched numerous business databases and the internet for hours. 

Additionally, based on the name of this frivolous company alone, it appears to be a payday loan company. Payday loans, or cash advance company are illegal in my state of Arizona and our usury laws. Additionally, if this was a legitimate claim, it would have had interest, fees and not be an exact {$500.00}. But this is. 

This so-called debt collection company has been connected with numerous other consumer complaints, where people have reported scams and has even had their accreditation by the XXXX XXXX XXXX revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: VA

Complaint narrative:
Hi my name is XXXX XXXX and I went through Experian to dispute my XXXX XXXX bill witch is {$1400.00} past due. But I explained that I called XXXX and they had no information of my past due balance and the reason why I have that is because my sister was on my plan and when I went into bootcamp she got here phone shut off twice and racked that bill up so I feel like I shouldn't have this on my credit report but Experian didnt take it off and did nothing to it once I disputed it with them. All I want is it to be off of my credit report please.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Experian ) and ( XXXX XXXX XXXX XXXX ) with no successful resolution. ( Experian ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2016 )

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 2019-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pat years my bank has changed so many times and every month and I did make a payments in time but for some reason it shows the late payments for few months. 
It shows late payments only from 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 2019-10-18 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: GA

Complaint narrative:
Hi CFPB, I am writing to dispute a transaction of XXXX USD posted by XXXX-XXXX XXXX. This transaction was originally charged on my Chase XXXX credit card account ( ending in XXXX ) on XX/XX/2019. 

This transaction is associated with a rental car service that I booked through XXXX on XX/XX/2019 for my parents vacation in XXXX. The rental car was booked for XXXX USD ( XXXX ISK ) including taxes and fees. However, the staffs asked for the credit card ( my parents and I share the same credit account ) and charged a XXXX USD ( XXXX ISK ) premium CDW ( see receipt on page 3 ) without my parents permission. Because CDW is not mandatory for rental car in XXXX and my XXXX credit card does cover CDW, my parents refused to sign the receipt and requested for a full refund. 

This rental car reservation is a refundable reservation. My parents and I can cancel the reservation at any time before pick-up. XXXX agreed that they would refund the full amount of charge ( XXXX USD ) to my credit card in four business days ; however, they failed to keep their promise. I have been contacting both XXXX and XXXX since XX/XX/2019 to try to resolve this issue, but unfortunately, no progress has been made. 

Initially, I filed a fraud case on this charge with Chase in XXXX. Nevertheless, Chase rejected my claim in XXXX and asked me to file it as a dispute case. I have been providing all required document in a timely manner and following up with Chase since XXXX but the bank failed to solve the problem. Today, when I called Chase once again, they told me they were not able to process any refund after the transaction is posted after two months. 

Thanks for your help!

Company response to consumer: Closed with explanation