vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is m y 2nd complaint about this and nothing was done the 1st  time. I am including the copies of my letters as well as the proof from my credit report. This complaint is against all  XXXX  bureaus for different reasons, which are listed below. My identification is attached as well.      Secti  on ( 609 ) Rules of Reporting : Section ( 609 ) of the FCRA is a Consumers Disclosure section which is to provide for the prot ection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to prove an account is mine. To positively prove an account is mine, the creditor must provide the credit bureau a copy of the original creditors documentation ( whatever I filled out and signed upon opening the account with the reporting creditor ).     The FCRA was enacte d by Congress to pr otect consumers from unverifiable accounts and information from being reported on my credit report. Without documentation, the credit bureaus have NO right to list my personal financial information on my credit report. The credit bureaus are required by law to verify and validate every single account on my report.     Experian : they are reporting the wrong filing date - this was not filed on the  XXXX  of the month. They are also not reporting the accurate name of the court.       XXXX   : They are reporting a filing date that does n't belong to this CENTURY! See my credit report attached. The docket # is incomplete. The court name is inaccurate, incomplete as well as does not include the city or state. They  have " A '' for t he liability amount.       XXXX   : Wrong date filed. Was NOT the  XXXX . Incomplete docket #. Not reporting city and state for the court. No liability listed.     I 've already gotten my attorney involved and have made complaints individually against the bureaus with the attorney general for this matter. They are required to go beyond the original source of info to make sure that what they 're reporting is accurate. They have n't done that. They 're required to physically possess the documentation to verify their reporting is correct and sectio n 609 pro tects me against this reporting.     See proof attached.

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 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX     2016  and  XXXX   2016 .     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.     I even called and go the late fees waived because I did n't get the statement and paid my balance off right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified consultants has added several entire derogatory cases on my file and labled them as having to do with a bankruptcy. I nevber went through on a bk. When I called they said " if you owe it, pay it '' it bankruptcy file when that is not the case and they are causing my credit score to  drop by more than  XXXX  points. These people should be put in jail and I am writin g the AG of t heir state to make sure it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low

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 2017-05-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17

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 2017-05-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I use an account service called  XXXX  to help out with my funding - which is fine and great! Until  WellsFargo dec ides to hold on to my transactions instead of sending and updating them live as they happen and actually even putting them in orders other than they actually occurred ( which is a whole other complaint ). But whe n WellsFargo holds  on to the transactions, it does n't allow my account with  XXXX  to update - causing me financial burdens! So far it 's been on hold since the  XXXX  and I 've had to manually update my account with  XXXX  because of this delay of data fro m WellsFargo. It should be posted and updated as the transactions occur, not several days later.      The attached image shows the recent transaction that occurred on the  XXXX  that  XXXX  was unable to see 2 days later because of the lack of updating my info.

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 2017-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On     XX/XX/XXXX     I spoke with  XXXX  in the fraud department that is handling my case. She advised me of the steps that I need to take to get this investigation started so that I could get this car off my credit. Its a  XXXX   XXXX   XXXX  that she stated was opened in  XX/XX/XXXX  in the   XXXX ,   FL  location. In which i do n't live. They have no clue where this car is located. The loan is ab out 20, 000 in w hich this is reporting late on my credit. Its dropping my score and stopping me from obtaining credit that I try to get. I sent in all the information that was needed. We are now in  XX/XX/XXXX  and I have yet to get an update on what is going on. I have made couple attempts to contact my case  manager   XXXX  and she has not returned any of my phone calls. My third attempt to get in contact with her was  XX/XX/XXXX . I advised the rep that I spoke with that was my last attempt to try to get an update. I also advised that I will be getting a lawyer involved and will be reporting the business. The companies name i s Credit Acceptance.

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 2017-05-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed in   XXXX   XXXX   that a hard Inquiry was made for a chase bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit burea u (   XXXX ,  XXXX ,  XXXX , but nothing has change. That was  XXXX   XXXX . But already it had happened before on  XXXX   XXXX .   II always tell Chase to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with Chase Bank.
Please help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted me.

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 2017-05-21 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: TX

Complaint narrative:
I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.

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 2017-05-21 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: TX

Complaint narrative:
I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX Equifax, XXXX but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with XXXX Bank.
Please help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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 noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX, XXXX, Experian, but nothing has change. That was XXXX XXXX. But already it had happened before on XXXX XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.

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 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to  make it right by giving me a forebearance and  XXXX  told me if I needed more time let her know, it had to be g iven 4- months  at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months,  still trying to get my check corrected with  XXXX  at this moment. This is how I got behind. Reaching out to  5/3  for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.

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