vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: FL

Complaint narrative:
The month of XXXX and XX/XX/2017 it has reported that i was 30 days late on my payment. I did not have a late payment. XXXX XXXX XXXX is the credit card company.

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 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bay Equity LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I finally bought a duplex. My sister ask if she could co sign for us. We moved to the duplex on XX/XX/XXXX, I live in the front house and my sister moved to the back house agreeing to pay XXXX per month. On XX/XX/XXXX my sister decided that she wasn't going to pay me anymore rent because she had rights. My sister told me that she was on the house Deed therefore she was also the owner of the house. My sister di not give any money towards the purchase of the duplex. The Lender Bay Equity LLC for some reason decided to add my sister as part owner. Now my sister hired a Lawyer and is asking XXXX plus Lawyer fees. I don't have any money. Its there anything I can do to avoid my sister take advantage of the trust that I had with her. She is trying to commit a Fraud with me. All because I refuse to let her live rent free. Please help me. I have all the documents that show that my husband and I were the only hones that came up with the down payment towards the duplex. Thank you very much for your time. XXXX cell XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: CA

Complaint narrative:
I have been disputing with XXXX, Experian, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of Experian and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX, Experian, and 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 non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one Bank states that i have 3 30 days past due accounts. I do not have any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda Financial Service, is the bank I have my XXXX XXXX XXXX    Finance, and has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan. I make all payments on time. I contact Honda Customer Service and they said that the bureaus don't want to accept the reports, and the bureaus said the Honda never had sent anything and that they don't denied any report because it was never sent. 
I need it update because I'm looking to buy a house and I need those installment payment on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
I signed up to be a XXXX XXXX today but instead of being cleared via background screening to proceed in the hiring process, inaccurate information reported by the company Checkr to XXXX XXXX Is pending per further investigation. Checkr wrongly reported that I had a criminal misdemeanor charge when in actuality the incident in question was an accident I was involved in that did not lead to a XXXX XXXX. This should have been under XXXX  violations ; not criminal. I was charged with a XXXX * MINOR* XXXX which was for XXXX  ( this has to do with maintaining proper distance between vehicles ). All simple traffic tickets in the state of ohio are considered minor misdemeanor. I did not even receive any points on my driving record. Date of accident XX/XX/2017. Disposition date is XX/XX/2017. Case number XXXX. I have screen shot the case directly from the public court records and will upload the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank has two 30 day past due for the XX/XX/XXXX and XX/XX/XXXX. I have not been past few on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : Onemain XX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX  Date Open : unkown Balance : unknown

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 2019-04-19 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am being charged over 300 $ from something called phnx finan and I would like to know what this is if I'm going to have to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
On XX/XX/2019, I sent a certified letter to Experian requesting validation bearing my signature on an account they are reporting for XXXX XXXX. On XX/XX/2019 they sent a response saying that the account has been verified as accurate but they provided my documents and placed no dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I requested a description of the procedure used to determine the accuracy within 15 days along with the names and phone numbers of the people they spoke with and reporting the dispute remarks not on there. On XX/XX/2019, they sent yet another " verified as accurate '' response with no documents and no dispute remarks placed.

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 2019-04-19 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: GA

Complaint narrative:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : Ally Financial Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX DEALER XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX   XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX & CO Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2019-04-19 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: GA

Complaint narrative:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX   Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX   Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX Date Open : unkown Balance : unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
They changed their website in XXXX which made it difficult to make online payments. Ive always paid my loan and this is the last year of payments. They raised the interest with no explanation. It took multiple times to pay it and often they didnt pull out of my account. I called yesterday because I found out they reported 60 days late. They told me its my problem not theirs. I opted for direct withdrawal and they told me if it doesnt come out of my account it is my problem. This is a bad way to do business. I dont have time to babysit their payments. I have good credit and I dont have time to babysit a lender. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My problem is with Equifax. They refuse to talk to me, but one month ago, in XXXX of XXXX I had my free annual credit report from Equifax which shows no judgments on my record. Today I was notified by the manager of an apartment building I was anticipating moving into that there is a judgment against me on my Equifax credit report. Today is XXXX XXXX, XXXX. The manager stated it was with XXXX XXXX XXXX in New Mexico. 

Sometime in XXXX or XXXX, there had been a judgment placed against me by XXXX XXXX in XXXX County, New Mexico. The judgment was placed in error, it should have been placed against the owner of the mobile home. When XXXX XXXX perceived their error, they removed the judgment, less than one month later. Today, after speaking with the apt manager, I contacted XXXX County Records and they confirmed there is no judgment standing against me. 

I then called Equifax, and answered all their identity questions. There were very detailed questions about my credit, but since I had my recent credit report in front of me, I read them the details off their own credit report. They told me the informative I gave did not match their records, and that they could not speak with me. 

I then tried to place a dispute online with Equifax. I answered their security questions and was again told the information did not match. 

They did ask me about " Do you have this or that credit card '' and since I have no credit cards, I said no to all. They asked if I had a mortgage or car loan, and I don't, so I said no. They asked about my student loan, I said yes, and gave the provider. My name, address, age and social security number haven't changed. But after being on the phone for over two hours talking with multiple people and constantly being told I am not me, and then having the computer tell me I am not me, how am I ever going to get them to correct this problem? They won't talk to me! They must have incorrect information, but I am at a loss. I was reading to them off my credit report issued by them which was only one month old. 

Bottom line is, I am living in a city where the weather stays below zero for several months a year, and the place I am living in had the heating system go out. Space heaters are vastly inadequate. I have to move, or risk illness or even death. But I can't move because they are giving potential new landlords incorrect information. And I can't get it corrected because they won't talk to me. 

This problem has a very sensitive time line on it. They won't hold the apartment for me indefinitely. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have a second house in Florida that % 80 paid off and have a sufficient flooding Insurence already, the mortgage company asked to have the renewed policy and charged me right away for Insurence they bought for me though I have an active insurence without give my Insurence anytime to send them the proof.

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