vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. 
The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX  and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX  they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
Received Loss Mitigation approval notice from my mortgage company which is a catch up plan or forbearance for my mortgage. I have a FHA mortgage, I requested a PMI claim be filed on my behalf for the delinquent payments and the mortgage balance be amortized over 30 years. The plan Volunteer Mortgage Loan Servicing sent me has increased my mortgage payments a lot. I'm requesting my mortgage be modified though XXXX XXXX Or XXXX XXXX. I feel the modification I received is setting me up to fail. 
Please Help, Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: NY

Complaint narrative:
Following up with my previous complaint against Experian Credit Bureau, Experian response was l did not mention specific account or other. Well, Well this is what Experian has been doing to me playing games, using stall tactics and RED TAPES to slow walks my issues, because they are cohort with the banks that reporting inaccurate information on my credit profile. I am absolutely certain that ; l sent numerous copies of my social security card, Driver license, utility bill and bank statement. Well the following accounts does not have correct information especially name and address reporting does not match my name or address ... see below Reason for Dispute : Account Numbers : - Creditors : Incorrect name XXXX XXXX Incorrect name XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX XXXX  Incorrect name XXXX XXXX  Incorrect name XXXX XXXX XXXX XXXX Experian Credit Bureau reporting information that they know to be inaccurate, and failing to report information correctly, they continuously violating the FDCPA and the Fair Credit Reporting Act.

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 2019-01-04 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.

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 2019-01-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX , OH 4XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX  balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 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: IL

Complaint narrative:
XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
after being lead to believe we had a verbal agreement with Santander Consumer USA Bank on the amount 0f XXXX in monies put on a account with XXXX XXXX  for future monthly payments on the phone ; Santander Consumer USA repossessed my XXXX XXXX XXXX Vehicle on XX/XX/XXXX then on XXXX i made a payment through my son XXXX XXXX account of XXXX dollars then afterwards my son put another payment of XXXX which that would clear up any monies owed to the debt and still as of today Santander Consumer USA had not even released a letter of redemption ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX with a detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them to run a smooth investigation on this matter : But to my surprise, this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I moved out of state in XX/XX/XXXX therefore, Insurance for my vehicles was canceled with XXXX and they kept charging my account without consent they also took a downpayment to renew without a signature and charged my bank acct. XXXX   XXXX XXXX has provided a permanent reimbursement and felt that they were owed {$210.00} this reversal was paid to XXXX and I have all the written proof from the bank that they honored my fraud claim and also paid what they felt was " owed to XXXX '' XXXX now sold my information to an outside collector that has been harassing me and they are not even willing to hear me out I am trying to show them proof and asked for management and they are extremely vulgar and lack of mannerism towards me and unwilling to accept literature as proof from me and my bank. I have all the proof and now attaching to this claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I sent a notarized dispute letter to Equifax by certified mail. The dispute was stamped received XX/XX/XXXX. I received the dispute results XX/XX/XXXX. The envelope from Equifax states that they mailed the results on XX/XX/XXXX. 

I disputed 21 accounts. Upon receiving my results, I noted that within the 30 day time frame, there was an account named XXXX XXXX XXXX ( Account number # XXXX ) that information was not reported back to Equifax resulting in a deletion. I have contacted Equifax several times on XX/XX/XXXX and XX/XX/XXXX about the deletion, however they would not delete. The rules states that within 30 days I should be notified of results and if not so, then they must delete. 

Included in this complaint are the tracking information, receipt where I had the letter notarized, a copy of the letter, and the results from Equifax. 

Thank you so kindly for assisting me in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was sent an email from my XXXX Chase bank credit card on XX/XX/XXXX that stated I had a balance of XXXX points and I needed to spend XXXX points by XX/XX/XXXX in order to earn a XXXX companion pass. I quickly spent an additional {$21000.00} dollars to achieve this companion pass goal. when my points did not reset online I called XXXX to inquire about my pass at which time I was told that those points spent after XX/XX/XXXX do not qualify even though I was sent an email stating I was almost there and could reach my companion pass goal if I spent this additional required amount of money prior to XX/XX/XXXX. XXXX is claiming they have no control over what date the billing date resets and that even thought their email stated otherwise the billing date was expired prior to this email being sent to me. I was persuaded in an email that I have I. writing to spend a large sum of money and then denied the promised companion pass. This is absolute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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:
I sent this company my dispute letter on XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-01-04 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: NV

Complaint narrative:
Transunion is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. 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 explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
While reviewing my credit report I noticed a charge off account from XXXX XXXX. I have never had an account with them. The information on my report read their name, no account number, no payment information, just 90-day late payments, there is also a balance for {$110.00}. No other information could be found. So, I called the customer service number on the website and was transferred to the credit department. I was repeatedly asked for the account number and order number, when I was unable to furnish this information, I was transferred without notice to another agent. This happened three times. I finally was asked again and when I could explain the situation, the young lady told me to fill out an application for fraud on the FTC website and mail it to them. Well when I explained that the site is down due to the government shut down. I got an oh well is there anything I can do for you response. I asked if she could provide me with information that validate the account was mine or even an account number she said no and to dispute with the bureaus and file the claim for FTC. They wasted 20 minutes of my time by placing me on hold and transferring me to agent to agent without notice and still could not verify or provide me with any information. Please do not contact me through email, mail, or phone. All contact is to be made via this website only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: NV

Complaint narrative:
Experian is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. 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 explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Someone committed fraud by using my name and collected these online payday loan my husband took off to Alaska, now I left clearing up my credit,, my lawyer XXXX XXXX in XXXX, Ohio if you need to contact

Company response to consumer: Closed with explanation