vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: NY

Complaint narrative:
hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: GREAT LAKES
State: CO

Complaint narrative:
While Attending XXXX XXXX University back in XXXX  XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: TX

Complaint narrative:
I went into Chase Bank - XXXX XXXX  XXXX Texas Branch to notify them of my mother 's death and ask them what documents they needed from me to close her accounts. I provided my social security number as Executrix of the estate. The banker not only closed my mother 's accounts, he closed my two credit cards. Now my credit report shows that I am deceased. I am unable to access credit at this point. I will not be able to access any credit until the credit reporting agencies clear this up. I have spent hours transferring the auto payments from one of the closed cards to another source of payment. I have spent hours on the phone with the estate department and other divisions of Chase trying to straighten this out. I have no idea how long this will actually take. In the mean time I can't trade in my vehicle or acquire a new cell phone because the credit reporting agencies shows me deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from Trans Union. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and grad school which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
The company didnt provide a resolution for this account. When I called the XXXX XXXX XXXX they said they dont have the account, but that Barclays has it they are still lying and giving false information.

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 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

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 2019-12-04 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: EQUIFAX, INC.
State: CO

Complaint narrative:
While Attending XXXX XXXX XXXX  back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: Home Loan Center, Inc.
State: PA

Complaint narrative:
I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from XXXX XXXX. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and XXXX  XXXX  which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage loan was paid off to XXXX XXXX Loan Care on XX/XX/XXXX and received by Loancare, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is ZERO and Loancare transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to Loancare in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?

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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
LOAN CARE REFUSED TO MODIFY MY LOAN AFTER MY EXTREME HARDSHIP,
IVE HAD XXXX XXXX AND SUFFER WITH XXXX

I FEEL ABUSED THAT LOAN CARE WILL NOT RESPOND

I WORRY EVERY DAY THAT FORECLOSURE COULD BEGIN

I MUST SHORT SALE MY HOME AFTER OWNING IT FOR 17 YEARS

LOAN CARE COMES UP WITH ALL KINDS OF EXCUSES AND WILL NOT APPROVE MY SHORT SALE; I COULD LOSE THE BUYER

WE VE MISSED 4 CLOSING DATES

THE BUYER HAD TO PAY EXTRA TO SECURE THE LOCK ON HIS NEW LOAN

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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I bought a property on XX/XX/XXXX with Home Financing Center, XXXX as the lender, the title company recommended by them for the closing was XXXX XXXX XXXX, XXXX. The Warranty Deed prepared by XXXX XXXX was recorded with and error on my post office address which has the zip code incorrect and is missing the apartment number. I noticed the error on XX/XX/XXXX and brought that to their attention requesting to send a correction to the county. I was informed that an error on the mailing address will not affect the title and the Warranty Deed will not be re-recorded. However, since I did not receive the XXXX Property Taxes bill in the mail and went into the county website on XX/XX/XXXX and I found out that the Property Taxes from XXXX are still due, a Delinquent Tax Certificate was issued on XX/XX/XXXX but I never received the notice because my mailing address is incorrect. I immediately called the company for an explanation about this and they told me the case will be investigated and will submit the payment as I am not responsible for those previous property taxes. As per today, the amount of {$900.00} for XXXX Property Taxes are still delinquent and I have not received an explanation either an apology from the title company. I have been calling and spoke with several people and they keep saying that the bill eventually will get paid and I should not be concerned about that. In addition, regarding the mailing address they told me that I have to go or call to the county and fix it myself. I feel this issue is being handled carelessly without any urgency or consideration from XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I have sent multiple letters asking for verification of this debt. I currently have services with XXXX who Convergent is seeking payment for which doesnt make sense how i will have services but owe this huge amount. I have contacted the company numerous of times to get them to fix the amount owed and they continuously send me a bill that i don't remember and a bill showing a past due amount but not showing me where this information came from. I sent a letter for method of verification and i am not getting what i need.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans union has in the past and continues to discriminate against me. I have filed more than one complaint against them but because cfpb doesnt do anything but send them my statement and they know you wont investigate the facts which have been stated, but I will state them again. Trans Union for more than 20 years had my name spelled wrong and my birthday wrong. Their is no way their information can be fully correct, I asked them to audit all the right information they received or didnt receive that would make their credit report right. They refused and my credit score has always been and is now way different from the other agencies. This has caused me to miss out on things I should have had and ruined my life. The difference in scores is between50 and 80 points, which is unheard of. If cfpb will not investigate them then I should be made aware of who can

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
A check written on a SunTrust Bank Checking account was deposited at XXXX XXXX  after the payee was altered with white-out and changed by the depositor. The check was accepted by XXXX and drawn on the SunTrust account. The fraud was reported by SunTrust to one of the named/authorized parties on the SunTrust account. A fraud case was opened by SunTrust but nothing has happened in over two months and SunTrust has refused to refund the account or provide any details of the progress to the authorized party.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is still showing as closed on my account. I dont know who this company is. Ive never done business with this company. I need them completely deleted from my account immediately please.

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 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica
State: GA

Complaint narrative:
IT IS IMPOSSIBLE TO GET IN TOUCH WITH DIRECT EXPRESS. I CALLED THE NUMBER FOR THE XXXX XXXX AND SOMEONE ASWERED THE PHONE BUT HUNG UP ON ME WHEN I TOLD THEM I DID NOT HAVE A TTY DEVICE. 
THIS SEEMS TO BE A FRAUD WHEN YOU STAY ON HOLD FOR 1 1/2 HOURS AND STILL NO ANSWER. 

HOW CAN I GET MY MONEY. I NEED IT NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I sent out a letter disputing a fraudulent USAA account with XXXX. They came back and stated that the account had been verified by USAA. 

In XX/XX/2019 I called USAA about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called XXXX  about the account, in which they had just opened a dispute on XX/XX/2019 again with USAA. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until USAA provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX  ) have already removed this fraudulent account from my report, however XXXX  has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NV

Complaint narrative:
On XX/XX/2019 I went to the local XXXX and made a purchase with my Direct Express debit card on which I received my XXXX benefits. Upon completion of the transactions I left my card in the card reader. Someone got my card and in the next few hours made 5 purchases, running my debit card as credit, totaling {$160.00}. As soon as I knew what had occurred, I contacted Direct Express and filed a dispute. Over the next six weeks I filed a police report, contacted management at XXXX and filed the written dispute required by Direct Express. After almost 60 days i received the decision from Direct Express denying my claim. Their decision seemed to be made mainly on the fact that I have the Direct Express app on my phone, which I do not, and that I have my phone number attached to my account.

Company response to consumer: Closed with explanation