vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I contact ed gm financial and reque sted hardship assistance to defer one payment because I was in the hospital fo r 2 w eeks with no pay I almost died had to have  XXXX    XXXX   a nd gm financial wont as sist they keep saying I do n't qualify for a deferment I do n't understand how I have my car for 14 months and have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a scam and Identity theft victim. In   XXXX   XXXX      two pe ople scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the    XXXX   county DA office . There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six people that I know who have filed police reports on these two an d we are all working together toward getting justice. Now, I have disputed the charges on  XXXX  /Wells Fargo NA..  THESE CHARGES ARE FRAUDULENT.     I request a copy of the investigation because I know the charges are fraudulent and there were several charges for phone service that I want to know who these belonged to. I could not get the information from   XXXX   XXXX   XXXX   and   XXXX   since I did not have the account number they would not provide it to me nor would  XXXX /Wells  Fargo. Plus all th e other charges.     I was refused this information which violates my rights.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX    . ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that  XXXX  /  Wells Fargo NA remo ve all fraudulent charges.     I am providing some additional information.     Check out the facebook  page. Scroll down  all the way down.   XXXX   XXXX   XXXX   They boost about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away. I DID NOT MAKE THESE CHARGES, And  Wells Fargo knows this.      PS : I can provide witnesses and their police report upon request.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a Tax Lien that was filed with  XXXX   County Superior Court t hat is reporting inaccurately on my Equifax Credit Report. I complained about this a few weeks ago and  XXXX  and  XXXX   XXXX  both removed it from public record. However, for some reason Equifax is saying that they verified it through  XXXX   Consumer Center. I work  in  XXXX  and I know that  XXXX  just reports information ... not verify if it 's correct. How can  XXXX  credit reporting agencies remove  it but not the  XXXX  one???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
An account holder at  XXXX , took funds illegally from my bank account ( TD bank ) on the following dates.    X/XX/17    for {$50.00}  X/X/17    for {$50.00}   XXXX     for {$50.00}  X/XX/17    for {$50.00}  X/XX/17    for {$50.00}   XXXX     for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: OR

Complaint narrative:
On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent company.

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 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: OH

Complaint narrative:
This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Macys card in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.

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 2017-04-24 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX   is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted  XXXX  before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Bla nk ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file

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 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have contacted   XXXX   XXXX  , ChexSystems,   XXXX   XXXX   XXXX   about fraudulent information contained in my consumer file with ChexSystems. Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SC  XXXX  Name :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   S.C.  XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XX/XX/2016    Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    ,  AL  XXXX  Reported Name   XXXX   XXXX   XXXX   Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ,  GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Blank )  RTN :  XXXX  Account :  XXXX  Reported for NSF  : Am ount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.

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 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I received a letter indicating that my adjustable rate mortgage will be going up. This is appropriate. However I did a little research and found that they calculated the new loan rate incorrectly. The rate should be based on 1 yea r   XXXX   XXXX   of fered rate plus a margin of 2.25 % . ( Rounding up to the next 1/8 % ).  The 1 year   XXXX   XXXX    offered rate on the date of the letter was  XXXX  plus 2.25 % would bring the rate to 4.0 % after rounding it up. The letter indicated that the new rate is 4.125 %.      Ditech used  the incorrect rate on the calculation and I suspect that since they have purchased this loan that it is standard for them to edge the rates up on all of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I requested fro m Wells Fargo to obt ain the necessary documentation to be able to obtain a home valuation in order to terminate the need for private mortgage insurance. I received the documentation and provided the necessary information inclusive of the {$200.00} for a brokers price opinion. The initial professional assigned to perform the BPO was unresponsive to phone messages I left him. I subsequently received a call from a gentlemen who advised that he was subcontracted by the original professional to complete the home inspection for the BPO. He explained that his work-product would be submitted to the Bank by close of business that same  day. (   XXXX   XXXX ,   XXXX   )  On  Friday,  XXXX   XXXX ,   XXXX  , I called the Bank to follow up on the valuation results. They advised that the documents were still being uploaded and they should have a decision in a couple of days. On Saturday,  XXXX   XXXX ,   XXXX  , I once again I followed up with a call and I was told by the representative and her supervisor that there was no documentation on file supporting that a BPO had been performed.   The {$200.00} check submitted was negotiated, an inspection was performed, but at this time there is no evidence of an evaluation. I would like your assistance with this matter.

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 2017-04-24 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: RI

Complaint narrative:
The following inquiries on my report were not authorized by me.        XXXX  on   XXXX   XXXX   XXXX     XXXX   on   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have  XXXX  inquires from   XXXX   XXXX   that were not authorized. I have asked for them to be removed with no luck.     The  XXXX  dates are as follows   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 explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else

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 2017-04-24 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.

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 2017-04-24 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 was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report.       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   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 explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.

Company response to consumer: Closed with explanation