vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: MN

Complaint narrative:
In 2016 I was living in Tennessee and XXXX XXXX sent me a credit card. Now that is showing on my credit report as a write off due to the fact that I can not pay it back. How can these companies take advantage of Senior Citizens who are on Social Security and getting less that {$800.00} per month? That is dishonest to loop seniors into credit the company KNOWS the person will default! It's deceitful to play on Seniors like that and put it on a credit report that prevents us from getting HUD and Section 8 rentals because they all look at your credit report! I want them to remove all their stuff from the credit card people to give me an even break

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 2020-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WI

Complaint narrative:
date open XX/XX/XXXX Paid in full I called the bureau told them about the collection I paid this in the full amount and was told this would be taken off my report and that was back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the  court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: MD

Complaint narrative:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX XXXX where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

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 2020-01-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/XXXX closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

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 2020-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl 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 2020-01-24 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
JP Morgan Chase Bank does not provide copies of statements with a XXXX-balance, notwithstanding payment activity on the account. I requested copies of several statements with payment activity and a XXXX ending balance, and the bank indicated no statements are available verifying payment. 

I need these statements for tax purposes and when I spoke with Chase about this, they said would not provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
Date opened XX/XX/2018 amount {$860.00} called the company they have no information on me and also called the bureau to get this removed because of false information and they would not drop this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I own a XXXXXXXXProperty ID : XXXX XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX   XXXX XXXX XXXXThis land was gifted to me in XXXX, I bought a double wide mobile from XXXX XXXX and in XXXX, I requested a loan from Wells Fargo Financial and they made the loan knowing that my property had my mobile at XXXX XXXX and a mobile at XXXX XXXX XXXX and a mobile at XXXX XXXX XXXX. Wells Fargo has my mobile changed from personal property and converted to Real Property so they could tie the land and property to the new loan. Wells Fargo is charging me a 9.66 percentage rate and I have tried to get them to modify this loan, but they refused. I have tried several banks and local mortgage lending companies to see if they will refinance this loan and they all tell me, that since there are 3 mobiles on this XXXX they are not legally able under federal mortgage rules to make me a loan. My complaint is why and how was Wells Fargo legally able to make me this loan when no other lending company can? So now I have no options available to get relief from this very high interest 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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This debt is on my credit report with XXXX XXXX for {$130.00}. This was taken care of over the phone because the branch was never open at the time in my area as of yet. When I called and said I would love to become a member when the gym opens the rep took care of it on the phone. I have no idea why it says I owe {$130.00}. This is reporting false information which shouldnt be on my credit report. I have called and tried to handle but they dont even have a record of this information. Please remove because of inaccuracies.

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 2020-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX  XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They would not allow me to place a freeze on my account. I tried online and by phone. They said I had to send multiple documents. I have a XXXX and can not do this. They were unwilling to allow other ways for me to place a freeze.

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 2020-01-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
- Unauthorized transaction on my Chase CC for {$740.00} on XXXX, with merchant XXXX XXXX, a merchant I have never previously done business with - Filed a complaint with Chase immediately ( XXXX ) - Learned that my CC details were compromised because a 2nd merchant, XXXX, called me about an order they were having trouble fulfilling ( also on XXXX ) ; once I confirmed I had never authorized that transaction they worked with me to cancel and told me to call my CC issuer and let them know my details were probably compromised - NOTE : Neither the XXXX XXXX  nor XXXX purchases were authorized or conducted by me or with my awareness ; moreover, no other person has access to my CC or details. 
- Chase denied my dispute of " unauthorized transaction '' on XX/XX/2020 because " You received benefit from this transaction. '' - In speaking to Chase, Chase determined I " received benefit '' from transaction because documentation provided by merchant included my : Name ; Address ; Phone Number - NOTE : Name, address and phone number are all publicly available information which can be obtained by doing an internet search ; more likely this information was provided along with my CC details when the info was compromised - NOTE : When disputing, " Did not authorize, '' the denial reason that I " received benefit from transaction '' does not cure the nature of my dispute. Disputes for " unauthorized transaction '' should be cured by the merchant providing evidence of authorization, not -- as Chase informed me over the phone -- " merchant documentation of my name, phone number and email address. '' - NOTE : The denial reason, " received benefit from transaction, '' is not valid unless Chase has received evidence from the merchant in question that confirms that I actually received any benefit from the transaction in question, NOT that the merchant was provided my name, address and phone number. If I received a benefit ( which I most certainly did not ) then I would expect Chase had proof that I ACTUALLY RECEIVED ANYTHING FROM THE MERCHANT IN QUESTION. Chase did not have this documentation or at least did not state they did when we talked earlier today, XX/XX/2020 - Not only did I not conduct or authorize this transaction ( which documentation providing an IP address for the person who placed the order might help confirm, as the IP address is most certainly not mine ) but I also never received any merchandise or refund, which makes this denial reason entirely invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Per prior CFPB complaint, company has NOT rectified the situation nor have they reached out to me as was stated by call center supervisor. 

I STILL can NOT access my account on my XXXX, XXXX XXXX, XXXX laptop or XXXX. 

I was able to access on a XXXX  computer at work three times. 

I do NOT have access to XXXX  at home. 

Please contact me about how you are resolving your IT issue re XXXX products. 

I am currently on hold for 48 minutes waiting on the call center to answer. UNACCEPTABLE. 

I remain UNABLE to acces my info or make payments per the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation