vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed information with XXXX  XXXX Equifax reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. XXXX XXXX did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called XXXX XXXX and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without XXXX XXXX having alerted me, or informed me of the money that was due or the new account. 

Please help me fix my credit score.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On Wednesday XX/XX/XXXX I called to Equifax consumer affairs to fix incorrect information on my credit report I was told to fax supporting documentation to them and I did that and they still did not properly fix my report. Today I call after getting alerts from my fico that several inquiries had been on my report that were not up there previously I ordered a new report with my fico to find that Equifax had changed my date of birth to an incorrect date of birth. I call them back and they tell me that they can not change the date of birth unless I send them something with my date of birth on it. preferably my ID. I had already sent them this back in XXXX when they asked me to, and now every time I ask have to call them I have to send in more information. This is really getting so frustrating its nerve wrecking, its literally causing me very bad emotional distress. They get to be over my credit file but don't get to make sure that they are keeping it accurate. They constantly mess up my file, and don't care. I have 3 collections on my report that were removed back in XXXX that reappeared. They claim they have no record of the accounts not being removed from my file, but told me same thing about another account then i found the confirmation number for that account of an item that was deleted then they found that one. I have filed the identity theft report with FTC and will include that with this complaint. They keep letting old accounts, addresses and and names reappear on my credit report even after removal. I have been trying to ask them why is my account in the office of consumer affairs they will not tell me an exact reason, they will only tell me that its because it is. Every time I ask to speak to a supervisor they all tell me that they are supervisors and that they are the only ones that I can speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A recording on XX/XX/XXXX, Citibank and Borrower, XXXX XXXX XXXX, created an equity line of credit for {$130000.00} on my property : XXXX XXXX XXXX XXXX, # XXXX in XXXX XXXX, California XXXX. Loan #  XXXX. 

My name is XXXX XXXX XXXX, the current owner of said-residence above. XXXX XXXX sold this property to me and it was transferred to me on XX/XX/XXXX. There were no records of the Line of Credit that XXXX XXXX and Citibank had created a month before she sold the house to me. There were no public records of the HELOC during escrow nor after. It was recorded by Citibank on XX/XX/XXXX. 

Unbeknownst to me, I have agreed to sell this property to Buyer : XXXX XXXX and it was scheduled to close tomorrow XX/XX/XXXX. However, we are blocked by this cloud on my condo and I tried to reach XXXX XXXX to no avail. Then, we have our Title Officer, XXXX XXXX faxed over the Deed of Trust to CitiBank XXXX XX/XX/XXXX/XX/XX/XXXX, as suggested by their customer service, yesterday. By policy Lenders would not talk to anyone of us but XXXX XXXX. The previous title company can not get involve due to the recording of the Deed of Trust. It was recorded 6 months after the Transfer Date. So far, we have not heard from Citibank. 

We now have a big problem on our hand. Buyer, XXXX XXXX, has made plan to move in after tomorrow. I need this cloud on my property to be remove, ponto! 

Can you please call Citibank XXXX, opt. XXXX ( when they ask for loan #, XXXX XXXX # XXXX # XXXX #. ) Please contact me, XXXX to let me know that you have received this complaint. Today, if not sooner! Email : XXXX. 

I will appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
i have several accounts on my credit thats not mines i need it deleted i called all creditors they said the samething i still must pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Received a threatening, abusive, rude telephone call from XXXX XXXX of XXXX XXXX XXXX and XXXX. She threatened to send law enforcement to my home and job and to garnish my wages for a credit card debt that she refused to provide me information about. She said that i owed {$1200.00} plus court costs and attorney fees. 
She had the wrong birthday and SSN for me. She also left a message on my husband 's phone number which has no connection to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX XXXX, I had used my card at an ATM twice at XXXX. I had received fraud alerts for a transaction in which I had been denied trying to use my Chase XXXX, and two fraud alerts on my Chase XXXX Credit Card. I had then received a phone call from Chase Fraud Prevention about unknown transactions. I had cancelled my card ( s ) and reported them stolen. The transaction amount on my debit was for XXXX and was for XXXX XXXX XXXX XXXX XXXX  XXXX. This is NOT a legitimate business transaction. This transaction had overdrawn my account and I had notified Chase right after receiving the alert to close down my Debit and Credit Card. Chase gives me the temporary credit, and with-in a week denied my appeal stating that my card was used with the chip, and therefore can not be fraud. 

This is fraud. 
I have no knowledge whatsoever of any of these transactions, and Chase should give me my money back. 
They have no knowledge of whether the EMV chip had been used, or if the card was used manually by entering my Card #, Expiration date, and CSV number. The card was not in my possession so any of the above can happen without my permission. 
In conclusion, my Debit had been charged XXXX USD to a retailer that does not exist and had custom charged their own fee of XXXX Pesos at an exchange rate of XXXX and Chase Fraud will not assist me or provide me the retail name to pursue because my card has a EMV chip, but can not prove that the EMV chip is involved when you can physically enter the information on a card, that is not in my possession. 

Chase Fraud Prevention did not honor my " Zero Liability Protection '' or offer any protection for this transaction. Where they had notified me of other transactions and would have gladly stopped the transaction, this large transaction went by unnoticed and was authorized to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have had a very difficult time with Select Portfolio Servicing ( SPS ). We had to file a bankruptcy to avoid a foreclosure. We are finishing up with the bankruptcy and SPS has given us a modification. The modification payment went up {$2400.00}!! We understood that the payment may be higher but the not that much. We asked SPS why the payment went up so much, and they said they didnt know. SPS also would not tell us how much went to the principal and how much went to interest. SPS would not tell us the interest rate and we have to take this modification. Very important to know. We are NOT PAST DUE on our mortgage. Our bankruptcy caught us up. We have confirmed this with SPS. How is this legal? This seems like predatory lending practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed information with Transunion & XXXX reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX  is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.

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 2018-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I applied for a Vehicle loan and was turned down because XXXX XXXX reported debts I knew nothing about, XXXX XXXX sent a debt letter to a third party, address I don't live. 

Under the Fair Debt Collection Protection Act, a debt collector can not disclose personal information to a third party without the written signed consent of the consumer.

Also under the same act, A debt collector by law has to give the consumer 30-days to dispute, and ask for validation.If not then the debt collector must delete the debt  for good. 

but instead, XXXX placed the debt on all three of my credit reports. 

Also violations under the North Carolina Consumer Protection 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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Company has left multiple VM identifying themselves as debt collectors looking for my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
During discovery in a divorce case, I found that my soon to be ex got a Credit Card from Belk 's department store, in my name and Social Security number. 
She had been hiding the account by paying Online using an account I had no access to. 
After the divorce started, she changed the account address to C/O ( her name ) and changed the address to that of her parents. 
The present balance is approx {$3600.00}, and I don't know how much was charged for several years.This account showed up on my credit report. 
I inquired with XXXX, and Belk/Synchrony Bank about the account in XX/XX/XXXX. Since I didn't know the account number, I filed a fraud investigation report with Belk/ Synchrony, and the local police department. After a couple of weeks, several statements arrived. 
I did request in writing, copies of the originating documents on the account. 
After 2 months, Synchrony sent a letter stating " We are unable to approve your claim of FRAUD ... Because " Account opened greater than 1 year with verifiable payment history ''. They did not sent the requested documents of the account being opened. 
Then, today, XX/XX/XXXX, I get a billing statement from Belk 's, ( for the first time ). 
The Account number was changed. I don't have a card under any account number.

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 2018-05-31 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX XXXX ( XXXX XXXX   XXXX, XXXX, NY, XXXX ). Just before I made the purchase the Cashier ( XXXX, XXXX, XXXX : XXXX ) asked me did I want an XXXX XXXX XXXXXXXX. I asked was this a discount card and she said it was. She began preparing the application. I answered various questions on the computer screen. When she asked for my Social Security # ( SSI # ) I became suspicious because whenever I acquired discount cards in the past I never gave my SSI #. I asked the cashier why she wanted my SS # for a discount card and this is when I discovered that she applied me for a credit card. I told her I did not want a credit card and asked her why did she tell me it was a discount card. I demanded that she cancel this application, because she misrepresented what she was applying me for. A phone call was made, I spoke to a representative at the XXXX XXXX Credit Card Department and they assured me that the application was cancelled. I also asked would they report this to the credit bureaus and she assured me that they would not because the application was not completed. A few days later, on XX/XX/XXXX, I received a credit report alert from XXXX and XXXX, indicating that XXXX XXXX had placed damaging remarks on my credit report. XXXX XXXX had reported to these Unions that I had opened and closed a credit card account, which brought my credit score down 32 points. I made  several calls to XXXX XXXX and the credit bureaus without any success.

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 2018-05-31 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, XXXX , and XXXX  , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!

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 2018-05-31 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:
OnXX/XX/XXXX, I sent Transunion proof of a document with a dispute. Transunion is reporting I have 12 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623,  Transunion is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the XXXX XXXX XXXX, which is over all the student loans.I know for a fact because I just did another one recently. Transunion is reporting 4 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Transunion has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation. 

I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.

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