vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXXXXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.

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 2019-07-25 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXX  XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.

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 2019-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2018 was the date of the rejected opening of a deposit account with Wells Fargo Bank. They request a 'soft inquiry ' of my credit report. It states in the rejection letter that the use of my consumer report as part of their internal evaluation of my application was unable to give specific reasoning regarding their decision or actions with respect for my application. I am wanting to request a full disclosure of all my information in my credit file by requesting a copy, however I am unable to locate this option. The consumer report was brought in part by XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ 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 2019-07-25 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: FL

Complaint narrative:
Hello I filled a dispute with EQUIFAX regarding information on an account that was closed XX/XX/XXXX. As of XX/XX/XXXX - XX/XX/XXXX they had reports that payments were being accepted to this account. XX/XX/XXXX was listed as 30 days delinquent. So I filed a dispute I have a dispute number # XXXX. When I tried to view the the results online per there instructions, I get please call this number. I have called this number no less then 12 times, only reaching a live person 3 times, each time they say " sorry we can not access your file at this time, please call back in 30 min to an hour. '' I believe this is an organized FRAUD they are perpetuating on consumers. This may be grounds for a Class action suit against EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 have contacted Equifax, XXXX, and XXXX every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX   veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX  accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been actively trying to resolve this concern with Chase bank for the longest time since I was reported late 30 days, twice, on my credit report due to no fault of my own. 

I have spoke and confirmed this with a Chase representative who agreed with me the system Chase uses is false and leads to misinformation regarding accounts. 

The Chase system does not show correct account activity when payments are made to their Auto Loan accounts until the entire balance is processed on its own. 

Since the beginning of the lease, Ive had nothing but trouble trying to have my payments made and processed through chase without being charged some late fee when my payments are made on time. 

Back in XXXX 2018, I noticed the payments I had been sending to Chase for my car were not being reflected on the balance. My car payment due is {$270.00} each month, if I submit a payment for {$170.00}, that payment does NOT get applied to the balance whatsoever. It will STILL reflect an amount of {$270.00}, instead of {$100.00} thats is owed, which is misleading and completely not fair. 

It leads me to not know exactly how much is due after processing payments because even under recent activity, it does not show the past payments Ive made on the account. Only payments Ive made months prior show up and not recent made payments. 

Its not fair Chase does not apply the amounts Ive paid to my car to help show the right balance due on my car, this purposely misleads customers like me and we end up being penalized for not paying when weve processed multiple payments to our loan. 

I should have not been reported late 30 days for a past due balance of {$30.00} when I had made those payments and if chase updated the balances correctly customers such as myself would not have been reported late. 

Im kindly asking for chase to review and kindly update my credit report to reflect good standing due to bank errors that dont seem to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
Fein Such and Crane continually disregard the Complaint and bring in other issues to distract what the Complaint really is. 
**First they contend that I made no payments since XX/XX/XXXX that is inaccurate as stated in their response I entered in to modifications in which payments were made. There was a payment of {$94000.00} made that is not shown anywhere, Fein Such and Crane was a DEBT COLLECTOR I disputed the debt and the amount due to them repeatedly with NO RESPONSE That is a Violation of the Debt collector act ( WHICH FALLS UNDER CONSUMER FINANCE PROTECTION BUREAU ) I submitted copies to the Servicers received confirmation they received the copies yet no one would show where the payments went ***Second they failed to mention the Loss Mitigation that was submitted to XXXX  5 days before they filed for the Foreclosure Judgement. They claim that they stopped proceedings when they were informed there was a pending modification as the ATTORNEY it is their responsibility not to DUAL TRACK A LOAN which they did on 6 different occasions. This is also a violation that falls under Consumer Finance Protection Regulations and the Justice department for repeatedly violating the law. 
***Third since the law firm and the servicers refused to show where my payments went and I did not want to lose my home I requested a payoff repeatedly so I could pay the mortgage before the sale Fein Such and Crane sent the payoff letter to me the day of the sale so I could not purchase the home.

***My foreclosure was not because I could not pay the loan it was because the payments were repeatedly misapplied put in suspense accounts and the debt collectors refusal to show where the payments were applied. If no payments were received AS AGAIN STATED IN THEIR RESPONSE and affirmed in numerous court documents who got tthis money from payments SHOWN AS RECEIVED  IN XXXX XXXX and XXXX on a print out from XXXX  who also states they received no money YET IT IS SHOWN HERE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
XX/XX/2017 I signed up with Freedom Debt Relief, since that time they've paid off one credit card and I have about nine others to go. There are two cards that are aggressively pursuing me, one has already wiped out my entire account the other is going after my work pay. During this time they've been completely silent, even accused me of not turning in paperwork, which I did several times. I called FDR they said, I will have to handle the two cards on my own. I told them, " this is what I pay you all for '', to that they said there was nothing that they could do. They are not even making phone calls to the companies they're just watching me drown while still profiting off of me. Of the $ XXXX that I have paid them to date, I can account for {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I have spoken to this company multiple times about this debt. I have asked for proof and nothing. I have request them to prove this debt is indeed mine and nothing. The same lady calls me from this number multiple times within a 2 hour span. Very rude. I would like for this to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: STATE FARM BANK, FSB
State: IL

Complaint narrative:
State Farm responded back stating that they have no record of an inquiry and sent mail asking for more documentation. I find hard to believe they are asking for some that I would have and this is the reason for my compliant. I will attach the inquiry that remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
In XXXX of 2018, we attempted to XXXX XXXX. They did not have the equipment necessary to supply the service. It was cancelled and never used. They still charged {$100.00} even they we never received their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX My Citibank double cash card credit limit was decreased from {$4000.00} to {$300.00}. I called customer service and they directed me to a finance specialist that gave me the reason that they did a random review of my account and found that there was derogatory information on my credit report. I explained to them that I was disputing some items with another financial institution and also I was never late in paying citibank. They did another review of my report and told me that they will inform me of the results of their review to reinstate my credit limit. It took them a week to respond after I called on XXXX/XXXX/19 to follow up. The agent stated the haven't done the review and will forward my information to a credit analyst and they will review my information and will send me an email of their findings within 72 hours. I received a response on XXXX/XXXX/19 that they decided not to reinstate my credit line to {$4000.00} based on their original reasons. My complaint is that this may be a violation Fair Credit Reporting Act because my credit utilization went up and affected negatively on my credit score.

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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK
State: AZ

Complaint narrative:
XXXX ETrade Checking account closed in XX/XX/XXXX. Three years later, XX/XX/XXXX I receive an email instructing me to contact ETrade. Customer Service informed me account was never closed, and this was an error. Account would remain open if requested. I did so request account to remain open. In XX/XX/XXXXI received notification to contact Customer Service. Representative informed me, error was made and account would be closed, remaining balance would be mailed to address. I provided address, CSR informed me photo ID and " letter of instruction '' required since my address changed from original address on file. I provided State Photo ID with signature, and digitally signed letter. CSR contacted me and stated digitally signed letter insufficient to mail out remaining balance. Photo ID with signature and DIGITALLY SIGNED letter uploaded by accessing my account ( which had not been accessed for over 3 years ), and providing private authenticated info over telephone is sufficient enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a automated phone from XXXX XXXX XXXX   company phone number XXXX XXXX XXXX in regards to a old debt past 7 years and asked me to press 1 to speak to an agent which I did. 

Mrs XXXX answered and tried to collect on a HSBC debt from more then 7 years ago. I advised her that I am under Bankruptcy protection filed in the state of Texas and she need to speak with my Attorney and then she started to threaten to file a law suit after which she disconnected the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
i been receipting numerous calls from Mid West Fidelity XXXX XXXX XXXX XXXX XXXX Kansas, they call my cell 2 to 3 times a day, i have no debt with them or anyone for that matter, i try calling them twice they refused to do anything or give any information unless i give them all my personal information, they are rude scammers, they call and call and none give you any details, they want your information to charge with a false debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This complaint is against Experian Credit Bureau and is being sent to the XXXX XXXX XXXX along with the Consumer Financial Protection Bureau. 
Now, Experian has a TV ad which has been playing on the Television ( TV ) during the month of XXXX, 2019. Experian is offering a free credit boost to all consumers which does not state any requirements. Then, on XX/XX/2019, I went onto Experian.com/boost, onto my Experian account and tried to get a free credit boost as it was advertised on TV. When I got onto my Experian account, Experian requested my private information such as utility bills payments and bank account information which violates consumer privacy rights! Please see exhibit 1, 2 and 3. Per state laws, when companies advertise, they are required by law to honor there advertisement! Nevada law, NRS 207.175 states ; making any false or misleading statements through TV, radio, publications, websites or in person is a violation. Now, how can consumers know if Experian will lawfully/unlawfully use consumer bank information? Experian has clearly violated consumer rights, falsely stated that this credit boost was for free and requesting information on consumers which Experian does not have the right to have and the information that Experian is requesting does not pertain to credit purposes! Banking information along with utility bills are not required for credit purchases. Experian does not have the right to have bank information along with utility bills on consumers. Experian must be held accountable for their actions including but not limited to the following ; fines being imposed, provide free credit boost as advertised without any requirements, loss of business license, criminal charges filed, lawsuit, compensation to victims.

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 2019-07-25 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: IL

Complaint narrative:
CRA is erroneously reporting derogatory items on my credit report.

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 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
Spoke to a XXXX XXXX who stayed he was from One Main Finical Group stated I was approved for a loan for XXXX. I was instructed because of my credit score that I would Need XXXX   ( XXXX ) insurance and that I would need to purchase a card at a store that sold gift cards. When I arrived at the store no XXXX gift cards were available ( as doing research after the fact there arent any ) I was told to purchase XXXX and an XXXX card as XXXX and those companies work together told by XXXX to me. Insurance for the loan amount was {$250.00} XXXX  card was purchase for {$200.00} and XXXX   XXXX for {$50.00}. After information was exchanged I was told that the state was holding up the transfer and I would need to pay an additional {$1000.00} in taxes payable by the same way. After doing a little research and noticing after looking in the internet that the number I was being called from was not the number in website for One main financial I called number on web and was told it could be a scam as they would never ask for any money up front and I was referred to this site. Numbers that I received call from ( except for one ) or now out of service and other just rings now.

Company response to consumer: Closed with explanation