vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 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: IL

Complaint narrative:
I have some inquiries on my report that I did not authorize. 
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/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2017-11-04 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: U.S. BANCORP
State: IN

Complaint narrative:
U.S. BANK XXXX XXXX SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO 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 2017-11-04 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: FL

Complaint narrative:
Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( 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 2017-11-04 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: IN

Complaint narrative:
XXXX XXXX XXXX PERKS SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX. PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO 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 2017-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
1ST NATIONAL BANK OF OMAHA Knowingly report inaccurate information refuse to comply with multiple request to verify account

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 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I got a default judgement against from another state XXXX Ga. claiming I owe them XXXX to a court in XXXX. I do n't she got a way that mess I have never heard of XXXX XXXX in my a debt that has been since XXXX plus I have insurance. now back to XXXX XXXX they false statements like charts trying to compare me to a XXXX or XXXX XXXX old in training on job in XXXX to XXXX trying to prove their false point. I 'm so sick of these XXXX  someone needs to them they are garnish me as I 'm typing I need seriously I 'm been harass by them through mail I 'm suffering from XXXX of the XXXX my mother I do not owe these people period thank you. sincerely XXXX XXXX my XXXX XXXX XXXX my email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I received a XXXX Credit Card on XXXX XXXX and want to cancel the account immediately. 
I tried to fax the request to ( XXXX ) as instructed on their phone message on XXXX XXXX as well but your fax number did not work either. 

I tried calling numerous customer service number listed in the credit card booklet but all were the same automated message. 

XXXX has an address mail the cancellation request and it is in XXXX, GA in their booklet and I will send that well but I wanted to file a complaint so no one else will fall into this trap. 

XXXX Customer Service Number I called are : XXXX XXXX XXXX XXXX All of the above are the same automated message for XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX reportedly received a notice that I was enrolled in a professional program ( i.e. a XXXX XXXX program ). Without talking to me, they put my payments in deferment, which affects my status in income driven repayment and public service loan forgiveness. I did not want this. I wanted to keep my payments in the income driven repayment plan, and keep making my payments so I can get the loans paid off and get public service loan forgiveness. No one ever checked with me, they just did this and then sent me the notice. Their message stats that if I try to switch back, my interest will be capitalized ( current balance is {$440000.00}, so capitalization would put this over {$500000.00} ). I tried to contact them, but they do not return my messages. This all comes after I spent 4 months ( MONTHS! ) getting into the current income driven repayment plan. Additionally, their calculation of my PSLF payments is still incorrect -- they are off by more than 10 years now. No one is returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: U.S. BANCORP
State: IN

Complaint narrative:
U.S. BANKCORP. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2017-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hello, On separate occasions, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I was charged a {$35.00} overdraft fee. However, Wells Fargo states that I can avoid fees by placing a deposit the same day. The issue is, I cant see the deposit till the following day. There is no transparency to see what is pending for checks or card purchases. As of XXXX MST last night XX/XX/XXXX the cut off time set by Wells Fargo, my account was in the black but at XXXX XXXX XX/XX/XXXX there was a negative balance. The same thing happened on XX/XX/XXXX & XX/XX/XXXX. I deposited money the same day on XX/XX/XXXX & XX/XX/XXXX as soon as the checks hit but was charged with overdraft fees. The issue is Wells Fargo is not showing the checks pending the day before & allowing me time to place money in my account per their rules!

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 2017-11-04 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: CORELOGIC INC
State: IN

Complaint narrative:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2017-11-04 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2017-11-04 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: MicroBilt / PRBC (formerly CL Verify)
State: IN

Complaint narrative:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO  USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I was looking to purchase a home. I found a home in my price range with the company XXXX. XXXX. The sales agent XXXX XXXX informed me that I had to put down {$2500.00} and since I was going XXXX that I would get my money back at closing. I gave XXXX XXXX the payment on XXXX at that time not one time did it say that my money " non refundable '' or I would not have given that amount of earnest money. On XXXX I met XXXX XXXX to go over the loan process. At that time I told her that I could n't afford an XXXX mortgage and that my earnest money was not to be part of the down payment she told me that she would get with XXXX XXXX about it. I told her that I would get with my realtor XXXX XXXX about the matter. In the coming weeks nothing was mentioned about the matter only about missing paperwork they needed to complete the loan application / process. My closing date was XXXX XXXX, on XXXX XXXX about an 2 hours before my final walk thru XXXX XXXX informed me that I was n't able to get the house but they have another house. XXXX XXXX I viewed the home and told XXXX XXXX that I would buy if the price was right and that I was not paying {$1800.00} that I could not afford that. He called XXXX XXXX from the house and she informed him she had room to work the numbers and it would not be XXXX. On XXXX XXXX I met with XXXX XXXX and again indicated that XXXX I could n't pay when she presented me with a payment of XXXX for a house {$23000.00} cheaper than the first house but my monthly payment would be XXXX in difference from the first house. I received emails for the next couple of weeks to send paperwork to complete the process but I did n't, due to my son becoming ill. I informed XXXX, XXXX, and XXXX that I was not going thru with the purchase due to the fact` that could n't afford the home. I was told that I had to submit a cancellation letter. After I presented the letter about a week later I was contacted by DHI Mortgage asking if I changed my mind on the house. I responded with no then was told " well your earnest money is non-refundable '' and told I have to sign a letter stating that. I have reached out to DHI Mortgage with no reply. since then they have sent me a bill {$420.00} for a appraisal on the second house that I never ask anyone to do, but I am told I must pay..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: FL

Complaint narrative:
I am not understanding why the word our is capitalized on the dispute results. I chose the best categories for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: GA

Complaint narrative:
I have contacted Transunion about Inquiries that i didnt authorized and they could not help me. So i decided to do a little more digging and came up with this site. 
The inquiries i am referring to are : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX/XXXX/XXXX I didnt authorize noone to run a credit check on the above inquiries i suspect i am a victim of Identity theft.

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 2017-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have been charged a {$5.00} late fee from Chase Auto, every month since last XXXX. They changed my due date even though they say they didnt. My auto loan was always due at the end of the month and all of the sudden it was due the XXXX of each month, Chase said we changed it online, but my husband nor myself have ever requested to change the date, I tried to explain that there must be a mistake, but it was to no avail. I have inquired about it several times but Chase refused to change it back, so my husband and I paid in the middle of the month as our mortgage is due at the beginning of each month. I have explained this to Chase multiple times, but again they wont change the due date back. Well, on my last statement I had a random {$55.00} extra on my bill, when I inquired about it, Chase stated it is a late fee of {$5.00} going back to last XXXX. I stated that I have been paying {$320.00} every month ( our note is {$310.00} ) to include the {$5.00} late fee, so that I already had paid the late fees. I however, paid the {$55.00} late fee because they were calling my husband and myself threatening us over {$55.00}. So as to be sure we didnt have any past due balance, I went ahead and paid the {$55.00} extra, and decided I would take it up with Chase after it was paid. And, I did, Ive documented with screen shots- the {$5.00} fees they placed on our bill every month since last XXXX. I also documented, highlighted and sent the {$55.00} fees that were charged to our account, and paid, along with the proof of fees charged, going all the way back to XXXX 2016. I dont know why this is so difficult for Chase to correct, Ive literally sent them documented proof from their own website three times now, they claimed I would get a descision by XXXX XXXX, but I have gotten no emails, calls or mail correspondence from them as promised. There is no credit on my account either. We have been more than patient, but Chase is attempted to steal {$55.00} from us- on top of that they charged us twice in a month, a late fee of {$5.00}, so they actually owe us {$65.00}. I explained and showed them my payments, and pointed out that if they werent paid, I would have a past due balance still, of {$65.00}, If I hadnt been paying the late fees all along. I currently have no past due balance, so really this is all quite simple. Refund is the fraudulent {$65.00} you stole from us, as Ive sent all the documented proof. I am willing to admit when I am wrong, and will accept if I am, but Chase is wrong here, and I have the documented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Im fed up of American Express they have been running me around for months on a claim where the company XXXX Sent them a bill for repairs to the car days after turn in and they also sent the rental agreement with the check out stating I was checking car out with scratches and dings, and ON THE CHECK IN SIDE THEY HAVE NO ADDITIONAL DAMAGES!! And both check in and check out are signed American Express has had to reopen this claim 4 times!! I have sent in Pictures of the car, My statement, signed a affidavit, a video of car at turn in, and a copy of the rental agreement saying no damages at check in ... American Express has asked me to File some type of car insurance claim on the damages but that would be filing a false claim because there was no damages, as well as I have grave all the information that I can possibly give!! The amount in question is {$570.00} and i ask for this amount to be credited to my account right now! I 'm done talking to these guys!! running me around for months, open and closing claim, hoping I fail to respond so they do n't have to pay is wrong! This company has lied and was caught lying red handed by there own paperwork they sent to American express.. what more would you need besides there own documents, pictures and my statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was behind 1 month when Hurricane Irma hit and business income tanked. I called Loan Care to see if they could offer any assistance and they provided that they would put a hold on all late payment fees and negative reporting to the credit bureaus for 90 days; however, they continued to robocall me everyday and send loss mitigation letters to my home while I remain behind on my payments, which is now 3 months in XXXX. My complaint stems from them charging me an inspection fee of $XXXX every month I do not pay even though I made it clear to them that I intend to keep the house and make payments as soon as my income recovers from the hurricane. I do not agree with having to pay for a service that only benefits the mortgage company. If they want to ensure that the home's value is not below the debt balance they can pay for that service as a cost of doing business. I would understand the charges if I failed to communicate with the servicer and did not inform them of my situation and intent to make my payments in the near future; however, they also do not accept partial payments making it more difficult to accumulate enough income before other costs can eat up my funds. While other creditors defer or offer to skip payments, Loan Care really does not offer any real assistance to those affected by the hurricanes. Considering that mortgage companies have their loans secured by homes, it makes no sense why they cannot offer better assistance or consideration.

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 2017-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: KS

Complaint narrative:
I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation