vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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: CA

Complaint narrative:
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX92.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is incorrect information, it belongs to someone else. 

XXXX XXXX XXXX, Opened XXXX XXXX 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 2017-09-06 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: MN

Complaint narrative:
I ordered clothing while at a store in XXXX, XXXX for {$1800.00} using my Chase XXXX credit card on XX/XX/XXXX. The following day the store sent a person to do some measuring at which time I noticed the materials did not match those I chose in the store. I ask the store to cancel the order, but they refused to do so. I immediately contacted Chase to dispute the credit card charges. When the clothing arrived, it was not what I ordered and the materials manifest on the package clearly states the materials were not what I ordered. I repeatedly tried to contact the store to a obtain a return authorization and return address to return the clothing for a full refund, but the store did not respond or provide an address to return the clothing. I received a letter from Chase on XX/XX/XXXX stating the charges were valid because the store did not receive the clothing I attempted to return. I reopened the case with Chase and informed Chase that I had attempted to return the clothing to the store but was unsuccessful in getting a response from the store and that is why I still had the clothing via writing and a telephone conversation. On XX/XX/XXXX I received another letter from Chase stating the charges were valid due to the amount of time that has passed. I believe Chase has made mistakes in handling this dispute. The merchandise I received was not what I ordered. Chase incorrectly assumed I had and was able to return the merchandise, but the merchant did not answer their phone or emails in order to provide me with a return shipping address and I had informed them of this problem before they made their determination. 

The merchant has not provided to Chase any documentation that states the quality of the clothing. The merchant provided documentation on the box of the sent clothing to me that is different than they described to me at time of purchase ( attachment XXXX ). The merchant has provided sales drafts that are completely different than the ones they provided me ( attachments XXXX and XXXX ). The sales drafts the merchant provided me do not state that the clothing is non-refundable nor do they contain my signature, nor are the signatures on the sales drafts provided to Chase by the merchant my signature indicating fraud by the merchant. I believe Chase has inadequately evaluated the provided documentation I submitted and negligently investigated my dispute and therefore a billing error remains in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Southern Management Systems Inc.
State: CA

Complaint narrative:
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: FL

Complaint narrative:
equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State employee credit union. Was supposed to automatically take a payment of {$230.00} on XX/XX/XXXX they draft the payment for my car note before my check is even deposited into my account. I was notified earlier in the month of XX/XX/XXXX regarding a separate account that I had to make a payment on. I was not notified until XX/XX/XXXX regarding my car payment was late. So when the rep XXXX from the XXXX XXXX brands I advised him as to why I was being notified so late when someone from the credit union called me the first day my salary advance was 1 DAY PAST DUE. I advised XXXX there was no reason as to why a payment wasnt automatically drafted out of my account. There was enough money deposited into my checking account fro cover the payment. And the payment was deliberately not paid due to my recent complaints on the credit union my car was in a minor accident on XX/XX/XXXX which it has been at XXXX XXXX from that date till today. And each month I was making a car payment. I advised XXXX that I was not expecting a paycheck the end of XX/XX/XXXX and would have to make a double payment on XX/XX/XXXX. A few days ago I get a letter in the mail saying my car will be repossessed if a payment is not made in 10 days from the date given in XX/XX/XXXX. I have already sent this information over to my lawyer. The credit union is deliberately retaliating at me because of my numerous complaints. XXXX could not give me any reasonable explanation as to why a payment wasnt made. From the time Ive had that car til now all of my payments has been automatically drafted from my checkings account. I demand answers as to why a payment wasnt drafted out and why was I notified 7 days before the end of XX/XX/XXXX. Why  wasnt I notified when the payment was 5 days past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My Mortgage became arrear in XX/XX/XXXXof y sent me an reinstatement notice stating that if you with Ocwen financial, In late XX/XX/XXXXof this year they sent me an letter stating that if you pay this amount by XXXX XXXX 2017 that they woukd reinstate my loan, which I did, Approximately ten days later I receive a letter stating that my XXXX XXXX quick collect would be returned and citing no reason.I called their customer service and they stated that the amount was incorrect and that is why it was being returned, I stated that I had received the letter and even acknowledged it, also I had called before making the XXXX XXXX payment and, by their customer service yes to make the payment, which I did .Later I contacted their Consumer Ombudsman and was promised some resolution and an answer which I never did.Later I was advised once again by their Customer Service agent to file a new Modification which I have and still waiting for a response.Throughout the whole process the customer service agents have been most polite and responsive.PleASE HELP AS i AM A SINGLE FATHER WITH XXXX  CHILDREN WHO ARE XXXX AND NEED YOUR INTERVENTION.They need to approve the new modification so we can keep our home, Thank Yound XXXX Bless! XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint narrative:
To whom it may concern, I have a student loan from XXXX, at the moment I live in XXXX, XXXX and the financial loan has been directed to be paid through XXXX XXXX, a collection agency to process international payments. 

They have created a new website and the last month I tried to pay but the website was not loading correctly. This month I have a late payment fee plus the new payment for this month and the XXXX   payment option is not working. I asked them when they will fix it but they say that they dont know. They give you the option to pay through your bank account but my bank account is in XXXX and does not have a routing number and I need to pay via XXXX. There is another option for international payments which is more costly but it does not work in their website. 

I am afraid that I will get a new late fee. I am trying to pay and the system is not allowing me to do so. This was a federal student loan and I do not understand why they hire this service that does not work properly. 

I want that XXXX  XXXX fixes the XXXX  option so that we can make payments with the XXXX  card. 

Thank you very much,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: MS

Complaint narrative:
I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. 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 explanation