vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 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:
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

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 2017-11-20 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.

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 2017-11-20 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: INTERCONTINENTAL CAPITAL GROUP
State: AZ

Complaint narrative:
I replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with XXXX XXXX and collecting a debt from XXXX about a XXXX computer from back in 2007. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from XXXX XXXX that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the XXXX XXXX XXXX has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.

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 2017-11-20 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 is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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:
I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

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 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.

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 2017-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.

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 2017-11-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.

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 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I need access to my financial data and CapitalOne is n't allowing me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting by the last five years to the credit agencies a car repossession that never happened. I already wrote to the credit bureau agencies about this situation, but the bank continue sending information about this situation that never exist. I do have my car title from about five years ago and move this motor vehicle from XXXX XXXX to XXXX on XXXX, 2016. I still have my car with me in XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We are only 3 years away from paying off the mortgage on our lifelong home. We 've had financial difficulties due to XXXX XXXX and medical problems, leading to unemployment for one of the two homeowners. We fell behind with mortgage payments and contacted Wells Fargo to ask about options for keeping our home. They only offered one option, which was to apply for a loan modification. I doubted we would be approved, but we submitted an application. Not only did they turn us down, but they also created an escrow account without our consent and increased our monthly payment by {$800.00}. Since missing a payment last spring, we had faithfully made a payment every four weeks from XX/XX/XXXX through XX/XX/XXXX. Starting in XX/XX/XXXX, the payment website will only accept the new amount, which we are unable to pay. I called Wells Fargo today ( XXXX XXXX, 2017 ) and requested a reasonable repayment plan for the two missed payments. I was told that they can not do this because our hardship still exists. Yet they are trying to force us to come up with an extra {$800.00} a month. This does not make sense! We want to keep our home and make continuous progress in bringing our mortgage up to date. We need Wells Fargo to accept a smaller monthly payment increase.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
This problem has been ongoing problem with Honda Financial service : I have received a letter in the beginning of the XX/XX/XXXX indicating that I have owe Honda Financial service amount of {$130.00} for the Vehicle tax for XX/XX/XXXX to XX/XX/XXXX for Honda Civic I have trade in at XXXX for new vehicle on XX/XX/XXXX and Honda received paid off amount of {$13000.00} on XX/XX/XXXX. ( see attachment ) I have called a Honda Financial Service on XX/XX/XXXX and spoke to representative XXXX ( wo n't provide the full name ) and received Case # XXXX : XXXX said he would put my account on HOLD until XXXX County refunds the Tax for Honda Civic, due to the fact that XXXX have paid in XX/XX/XXXX for the whole year 's Vehicle Tax : And advice to ignore the future invoice from Honda. 

Its ' been over three months now, Honda still sending me a Letter indicating PAST Due and will effect my credit score (  threatening me ) and suggest of {$100.00} to compromise the case : I feel, Honda Financial service is trying to Scheme me of this TAX Bill. 

I DO NOT OWN the vehicle from XX/XX/XXXX ( see attachments ) Plate and registration for the vehicle was returned on XX/XX/XXXX. 

I even called the XXXX County Vehicle Tax department to find out, and they told me that they have return the Civic ' Tax for XX/XX/XXXX to XX/XX/XXXX portion to Honda already. 

So, in this case, Honda should close my case and should not be sending me the LATE DUE letters. However, XXXX is still sending me the Late Due letters and I want this to be CLOSE ASAP. I do n't feel obligated to paid the Vehicle tax for the vehicle I do not have the ownership! Honda need to have better organized financial service group. 

I wonder how much money they have collected this way and not returning the money back to the customer. 

For two years of being loyal customer to Honda, ( no late payments etc ), I should n't be treated or threaten By XXXX in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-20 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: CA

Complaint narrative:
I write to this company last XXXX XXXX, 2017. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CO

Complaint narrative:
XXXX, TRANSUNION, and XXXX must stop reporting late payments on my student loans. 

XXXX records are not accurate. 

US DEPT OF EDUCATION NATIONAL STUDENT LOAN DATABASE ( NSLDS ) shows my loans were in FORBEARANCE at the time XXXX is reporting late payments. 

US DEPT OF EDUCATION STATES LOANS IN FORBERANCE XXXX STATES LOANS WERE NOT IN FORBEARANCE IS IN WILFULL NON COMPLIANCE WITH THE FCRA IT IS UNLAWFUL FOR XXXX, TRANSUNION, AND XXXX TO KEEP REPORTING INACCURATE INFORMATION

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 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has a monthly {$10.00} service fee if the balance in the checking account is less than a certain amount. One way to avoid the fee is by having 10 transactions during a month. Transactions include purchases and online bill payments. I had 10 transactions, but they changed the requirement to be only 10 purchases without notifying 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 non-monetary relief
Consumer complaint received 2017-11-20 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: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I made my XX/XX/XXXX payment with 2 checks. Nationstar Mortgage 's report shows that they received them on XXXX XXXX and applied them to principal, rather than to the monthly payment due XX/XX/XXXX. I was not aware of this until my XX/XX/XXXX statement arrived. I immediately phoned them on or about XX/XX/XXXX and they corrected it in their records. However on XX/XX/XXXX I received a notice that my credit rating dropped. I reviewed my report and the drop in the rating was due to Nationstar 's reporting the XX/XX/XXXX payment delinquent for over 30 days, which was totally false in that they simply misapplied it. I filed a report with XXXX XX/XX/XXXX and XX/XX/XXXX and they said Nationstar has 60 days to respond. 

On XX/XX/XXXX I wrote to Nationstar requesting it be corrected. Heard nothing.

On XX/XX/XXXX I called a manager at Nationstar and they had me email the information to them, which I can and can forward to you. 

My credit has been significantly adversely affected and they are doing nothing. Now they are selling the loan to XXXX XXXX effectiveXX/XX/XXXX and have not corrected it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have been making my mortgage payments on time for the last two years and I see balance amount that is not adjusted to my payments. I 'm being incorrectly charged by PNC and they refuse to send monthly billing statements for the last 2 years. They revoked my online account access only after filing a complaint CFPB they did gave me access to my own account. They are uncooperative in explaining to me how my payments are being applied to the mortgage. Please open an investigation into PNC bank 's mortgage business practices.

Company response to consumer: Closed with explanation