vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
My room mate and I keep getting debt collection calls from XXXX XXXX XXXX from this phone number XXXX  XXXX XXXX  XXXX. The problem is that they do not identify whom they are trying to reach. If my room mate or I have or are expecting an important phone call we let each other know about it. They do leave a message that states they are debt collectors but neither my room mate or I have any outstanding or over due accounts. There is nor has never been any mention of who they are trying to contact or for what purpose. I just want these phone calls to stop. I refuse to call back anyone that will not identify who they are trying to contact, and believe these calls are bogus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Cash not dispensed from ATM but amount debited from bank account On the morning of XX/XX/2018 around XXXX am I went to a Chase Bank ATM machine to make a withdrawal. I inserted my debit card into the ATM slot, punched my XXXX digit PIN, the ATM make a fluttering sound but no money came out of it. A few minutes later I checked my bank account and saw the ATM transaction for {$600.00} debited from my bank account. I filed a claim with the bank, and Chase refunded the {$600.00} to my account the same business day. Later on in the day, I decided to go into the bank to make a cash withdrawal with a bank teller for {$610.00}. On XX/XX/2018, Chase bank withdrew {$600.00} from my bank account and reversed my claim by denying it. The claim department told me that they checked the data and found no proof of error or malfunctioning with the ATM machine. Chase bank claim department also stated that per their records, the transaction was successful. I asked the claims department if they viewed the ATM surveillance cameras and they told me no.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Our loan has been paid off to Specialized Loan Servicing, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CO-XXXX Tel : XXXX and my loan account number : XXXX. The principal was paid of on XX/XX/2018 and escrow amount as per statement is {$1800.00} and but they mailed the check of {$1100.00} thereby shorting to the amount of {$730.00}

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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 violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. 

These negative items need to be removed

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 2018-06-26 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: TX

Complaint narrative:
I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.

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 2018-06-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Equifax several times to advise them of my credit file being pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have you had your identity stolen? If you don't know you should check with XXXX. Last year ( XXXX ) they had a data breach that affected nearly every voter in this country. I personally have had personal id information stolen due to data breaches at XXXX XXXX, XXXX XXXX, IRS and most recenty at the credit reporting agency called XXXX. The IRS data breach occured in XXXX and I only discovered it when I received a credit card from a bank I did not recognize. At the time I called the bank/credit card company and they advised me to implement a credit freeze and also contact IRS. When I called IRS they told me about their data breach and also said someone had already filed a tax return requesting refund. Fortunately that return was caught - so no refund was issued to the identity thief. More recently personal id information ( belonging to both me and my wife ) was stolen from the XXXX XXXX XXXX XXXX. 

In order to protect my wife and myself I have had to implement a credit freeze with fraud alert on all of our credit files maintained by the big three credit reporting agencies. I did this back in XXXX when I first discovered the IRS related identity theft. Needless to say, this seems to have worked but it has only worked at great personal cost in terms of time. Let me give you a specific example. My wife and I are now trying to borrow money to buy a home. In order to do this I now have to contact 3 different credit reporting agencies twice ( total of 6 times ) to have the freeze temporarily lifted for both myself and my wife. In the last XXXX days this has eaten up at least XXXX to XXXX hours of my time ; and I am still not sure if it's done because my loan broker told me he is still having not able to access all of my credit files. Transunion always seems to be the worst as the PIN id numbers they provide never work on their website -- which means I have to make at least XXXX long phone calls to them in order to get a temporary freeze lift. Needless to say this is a colosal hassle and waste of my time -- because this not really to protect myself -- it protects unwary lenders. 

Once your identity has been stolen the problem never goes away. Companies like XXXX, Transunion and XXXX and lenders in general should not be able to profit from identity theft. We need stronger laws with serious and well enforced penalties that prevent this kind of profit. The XXXX reporting agencies should create a single easy to use website/application that consumers can use to lock and unlock their credit files. No one should have to spend hours doing this. In addition, all lending institutions should be required to know the person whom they are lending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently a debt of {$3000.00} for a medical bill appeared on my transunion report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. Transunion needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.

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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC.
State: MI

Complaint narrative:
The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I suffered an injury in my XXXX which prevent me from continuing working i exausted my saving travelling to get my back fix abd able to continue working but it was too late. After 6 months of payment they wpunt let me pay no less than XXXX payments which was atound XXXX XXXX I did not have that kinda money. So i kept on falling behind ... i tried loan modification but they say they cant work with me. No matter how much money inwas getting from diferent jobs that i was able tonaquire..i was able to increase my income after my XXXX  injury got better. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had a fraud alert placed on my Experian credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Experian several times to advise of my credit being pulled without my permission.

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management said they sent me a validation letter on XX/XX/XXXX I have not received any kind of notice from them about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I make my credit card payment on the due date every month, which I always take a screenshot of, and I still am charged a late fee that has gone up several dollars over the last few months. When I called to find out why this was happening, I was told that the payment had to be made by XXXX Central time ... ... WHAT?!?!? Oh but, if I payed by phone it was a different time, and if I went directly to the store, it was a different time as well. What the heck?!?! Really???? Ive NEVER had this issue paying my bills on the due date! And then their customer service agent told me I was redicilous for making a payment without actually looking at my statement ... ... .... since when does a due date actually have a time limit??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: FL

Complaint narrative:
Experian had a security breach and my information was accessed and fraudulent accounts are on my credit report that need to be removed. This is a federal violation of the FCRA. These accounts are not mine and need to be removed from my Experian report : 1. XXXX # XXXX 2. XXXX. XXXX   XXXX/XXXX # XXXX, XXXX, and XXXX. 
3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX XXXX. # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX 12. Chapter XXXX bankruptcy discharged # 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 non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Westlake Services, LLC
State: TN

Complaint narrative:
I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I prepaid the property taxes at the end of XXXX for the due date of XX/XX/XXXX. I notified the bank in XX/XX/XXXX about this payment. They verified the tax payment in XXXX of XXXX. Based upon the projected tax assessment for XXXX, US Bank increased my payment slightly to account for their estimated escrow shortfall. Meanwhile, I have been making mortgage payments to include escrow for taxes already paid. 
My XXXX mortgage payment was made on time, but due to the shortfall it was put in suspense and I was assessed a charge of {$170.00} for a shortfall of {$27.00}. 
I called the customer service department on XX/XX/XXXX. After a lengthy conversation and contact with their tax department it was determined that my escrow account has an overage of over {$6000.00}. They also stated that they only review escrow analysis once a year and since this was done before verification of my tax payment, it would not be reviewed again until next year. In effect I am overpaying for my escrow, but since it is not correctly accounted for, it appears my automatic payments are short. I will be adjusting my auto payment to match their current statement amount. I am extremely concerned that the bank which is not monitoring my escrow account properly has found a way to increase my payment and then charge me a late fee of 600 % of the incorrectly calculated shortage. In fact, the customer service XXXX indicated that the only reason they are looking at my escrow and are now processing a refund is due to my call.

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 2018-06-26 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: GA

Complaint narrative:
On XXXX XXXX, I was alerted that an account that I was disputing and wanted off my credit file was taken off of my XXXX Report and Equifax Credit report via XXXX XXXX and the reporting credit bureau 's moneriting sites. I then recieved another notification that it was again removed XX/XX/XXXX which was good news. The Company XXXX XXXX which is a closed account requested that the account be removed and it was. In XX/XX/XXXX I found out the Equifax had re-inserted this information on my credit report, I then took corrective measures writting the company several times even to the extext of sending them proof of the deletion via colored photos. I spoke to the representative letting her know that this was a clear violation and I never was contacted or notified that this account was going to be placed back on my credit file. The representative on a recorded line apologized and did all she could do and advised me that " she had all the documentation she needed to have it deleted and this was an error some how. '' As time has gone by up until this month XXXX the account has still not been taken off and my credit is still damaged by this incorrect account. I spoke with a very nice representative at Equifax and briefed her on the situation and after she did her research she told me that she had all the paper that i sent in and it was deleted but she could not do anything. I told her thank you and that this was clearly a violation of FCRA 15 U.S.C. 1681e ( b ). What this means is credit bureaus must report accurate information on its consumers and if notified that information may be inaccurate, must conduct an investigation into the claimed inaccuracy and report back to the consumer with the results of the investigation. Should a CRA agree to delete inaccurate information, under the law it has a duty to notify the consumer if it intends to re-insert the information within seven business days. XX/XX/1983 case XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( S.D. Ohio XX/XX/XXXX ).

Company response to consumer: Closed with explanation