vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off 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 explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called on XX/XX/XXXX to get my remaining balance of {$520.00} left from a prepaid debit card for child support from XXXX State. They said a check would be sent within 15 days. I called again on XX/XX/XXXX and was told it had only been 14 days and to call again if it didn't show up the following day ( XX/XX/XXXX ). 
The chack had not come by XX/XX/XXXX and I called again and was told the check was never sent the first time, but would be sent this time. I waited another 15 business days and no check came. I next contacted the XXXX State Attorney 's General office and filed a complaint. Bank of America had a collections agent call me to acknowledge the complaint on XX/XX/XXXX. They were then required to contact me again by the XXXX. He called and left a voicemail and I returned the call within 5min and left a message. I called again at XXXX that day and again at XXXX and XXXX the following day and again to following Monday ( XXXX XXXX, 2019 ). Each time the call went to voicemail and my calls were not returned. In addition to the balance, I would like a list of any fees that have been charged.

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 2019-12-09 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Filed a police report onXX/XX/19 with XXXX  XXXX  Police Department.  The over charges on my account were for $ XXXX on Chase XXXX  $XXXX Chase Freedom and XXXX on XXXX XXXX XXXX. The dates the over charges where done on wereXX/XX/2019 by XX/XX/XXXX. The credit cards where Chase XXXX, the current card # is XXXX XXXX XXXX XXXX  exp. XX/XX/.  The other card is Chase Freedom card  # XXXX  exp.XX/XX/, XX/XX/XXXX # XX/XX/ .  I would really appreciate some help with this and I thank you for your time and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been a Citibank customer for many years with a great credit and payment history. In XX/XX/2019 I logged in to my account, on the due date, and wanted to split my payment into two payments and was unable to do so. There isn't an e-mail address, which I prefer to communicate. Near the end of XXXX, before the closing date of my next month's statement, I called and spoke with someone in their "hardship" program. I explained that I wanted to change my due date because of how my payroll fell and that I would like to do bi-monthly payments. I was told that now that my account was past due they couldn't change my due date/billing cycle. The company offered me a six month program of $XXXX for six months. I again stated that I could NOT pay this amount on the XXXX of the month because of my pay cycle. However, I would pay this amount when I was paid. I set up an automatic payment for $XXXX  on my payroll date and that was taken from my account. And now because I didn't pay on the XXXX of the month that agreement is null and void. I have reached out twice more via CHAT and was told the same thing, my due date cannot be changed because I am past due. I have asked for a set monthly payment, lower rate, change my due date to no avail. I am not unemployed, but have experienced a job change with a lower annual salary and have assisted my daughter and granddaughter with living expenses this past year. Which I have shared multiple times with Citibank. I am not unemployed, I just need to be able to at least change my due date so that I can pay bi-monthly to meet the amount due each month. All the while the interest rate and late payment, not to mention my credit has taken a hit.

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 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This compliant relates to Chase not making payment on time for escrow funds. 

On XX/XX/XXXX, I faxed 2 supplemental tax bills to Chase Mortgage on my newly built home and mortgage. Chase purchased my mortgage from another lender shortly after settlement. This is my first experience with Chase. 

Earlier I received a partial refund of my Escrow account ( in XX/XX/XXXX ) from Chase, presumably a result of settlement dollars being fully processed after settlement and closing. 

On XX/XX/XXXX, I called Chase to inquire why the tax bills had not paid on time. I was informed that the taxes are still being processed. I was also informed that they have a 7 day processing policy for these requests, but a ticket was only opened on XX/XX/XXXX, 22 days after I faxed in the tax bills. As of XX/XX/XXXX, the bills have not been paid and I have now received a delinquency notice from the taxing authority. 

On XX/XX/XXXX, I was also told by a Chase service agent that the payments for the Taxes are still 'in process '. I asked to file a complaint and was transferred to a supervisor to do so. I was asked by the customer service agent and the supervisor if I cashed the XXXX escrow refund check to which I answered yes. I asked if I shouldn't have cashed the refund check in XX/XX/XXXX, and the supervisor replied that yes I should have cashed it. I am aware that the new tax bills would represent a future shortage during the next escrow analysis. 

My complaint is simply that Chase is not processing escrow payments on a timely basis and I now have to pay penalties from the local taxing authorities. As a new Chase customer, I did everything I was supposed to do and was only provided excuses from Chase, saying that they only received my request on XX/XX/XXXX, when in fact, I have proof ( fax confirmation ) that Chase actually received it on XX/XX/XXXX. 

The Chase supervisor agreed to escalate and monitor payment, and call me back when paid. 

Someone should be regulating Chase 's Escrow department for timeliness of receipt and payment of customer escrow requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
On XXXX XXXX. I received a notice stating a legal action would be taken on a debt that I dispute. On XX/XX/XXXX, I mailed out a letter replying to notce. I openly disputed debt. ( please see attached ). 

On XX/XX/2019 at approximately XXXX XXXX, a representative of Nelson and Kennard left a Court Summons on the front porch floor of my home address. A neighbor and cameras have the man recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX GET A CALL FROM SOMEONE FROM ACCESS CAPITAL SERVICES STATING WE OWE A BILL FROM XXXX. 
FOR A LOAN WE HAD WITH XXXX XXXX XXXX AND SENT A STATMENT LETTER CLAIMING WE OWE {$4700.00} WHICH IS NOT TRUE, THIS LOAN WAS PAID AND NOW 14 YEARS LATER SOME ONE IS CLAIMING THIS PAID DEBT, WE ASK THEM TO SEND A COMPLETE FILE OF THIS CLAIM AND HAD NOT RECIEVEIED ONE, WE WENT TO XXXX XXXX XXXX AND THEY WERE SHOCK THAT THIS CLAIM OF 14 YEARS IS BEING CLAIMED BY ACCESS, CAPITAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXX since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since XX/XX/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 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-09 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off 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 explanation
Consumer complaint received 2019-12-09 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 — Investigation took more than 30 days
Company: VW Credit
State: NV

Complaint narrative:
My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and Volkswagen  credit refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. Volkswagen then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX, XXXX  and XXXX to no avail. My attorney went back and forth with Volkswagen for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in  bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: OH

Complaint narrative:
On XX/XX/XXXX, I noticed that TRANSUNION, has an incorrect collection on my report about an old medical bill I paid. XXXX, is somehow using my identity and a medical bill, fraudulently sent to them by an angry medical clerk, whom refused to honor the secondary insurance, but insist I paid her over the phone. She threatened collections. I have  PAY TWICE, to avoid her threats I kept receipts from XXXX  to XXXX. This collection should have never been reported to TRANSUNION, and XXXX immediately removed this peculiar $XXXX  collection, that was paid.Transunion has lowered my score to XXXX, and reported this score to XXXX, and hurt my credit ratings. XXXX has my score well over 680.

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 2019-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I did a refinance on my home XXXX XXXX XXXX XXXX XXXX. with XXXX XXXX XXXX, XXXX. In XXXX we had to file bankrupcy to try to save my home. It appears that attorney 's XXXX XXXX XXXX, Cohn , Goldberg & Deutsch , LLC handle the foreclosure process & the bankruptcy, my husband was put on one court docket as the Debtor, my husband name is not on the deed, it seem to be personal because on my XXXX XXXX credit report a XXXX XXXX XXXX, & XXXX XXXX was on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card number was stolen and I was contacted by the fraud department at Citi. They told me they would close that account and send me a new card. I had a payment due and logged in to pay my payment and it showed a XXXX balance and I was unable to make the payment, however I also had not received my new card number at that time. So I received a phone call from Citi XXXX department, who was not very nice and insisted the information was on there website. After the call was ended, I logged in again, and it still said XXXX balnace and I was still unable to make a payment ( this I took a picture of ). I then received and email taking all my available credit away from me. I tried calling them again and they took my payment over the phone, however would not remove the late fee, which was of their doing, not mine, and said they could not do anything to repair what they had now done to my credit.. due to errors on their end.

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 2019-12-09 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: TX

Complaint narrative:
I have disputed the following accounts/Companies on 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted Experian, XXXX, XXXX on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to Experian, XXXX, and XXXX on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.

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 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2019-12-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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