vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified the credit agencies about the following errors and disputes : Transunion is reporting my name as XXXX when my last name is XXXX Transunion is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX, and Transunion is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX/XXXX  XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for 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 2019-09-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX  is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax, XXXX, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX Equifax, XXXX, and XXXX  is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: GA

Complaint narrative:
I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX 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 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This account was opened XX/XX/2014. It was supposed to be handled through the V.A help advocates that helps prevent veterans from becoming homeless. But they did not get the payments in on time causing me to be evicted, becoming homeless and get stuck paying this bill. And it is now on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have made numerous requests to my mortgage company over the last year to send me ( on paper and signed ) the amount of money I need to send them in order to pay off my PMI..Not only have I never received this but I was told last week that they do not have to send me it in writing or email.I have also been told that no one at this company is really familiar with how to do this- paying off PMI 'S. This is a simple request -I am at a dead end after speaking to the Supervisor last week -XX/XX/XXXX- Her name is XXXX XXXXThank 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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am unable to call and speak with any of the three Credit Reporting Companies also known as Trans Union, XXXX  and XXXX. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to Trans Union, XXXX  and XXXX so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Friday ( XX/XX/2019 ) I was sent a {$36.00} XXXX payment from my partner, and made sure my funds were available in USAA. I submitted my XXXX XXXX credit card payment for {$36.00} about 20 minutes later. Everything was fine - Everything showed {$0.00} in my account, sounds good right? 

Wrong, I had pending transactions that were taken out out of order to ensure that I incurred fees. These have not posted in order, and this payment was submitted 5  days ago. I've now incurred late fees from USAA and XXXX XXXX. 

USAA has been increasingly showing similar banking traits as XXXX XXXX - weird processing times for payments, significantly out of order, they seem to be in an order to cause me fees on purpose. 

I am fighting this because I had insufficient balance for a payment before. I made absolutely positive that I had the available funds before submitting this second payment. 

I've attached a screenshot, and you can see how USAA decided to post these transactions to let me know if it's weird. They appear to have taken out all of my payments before deciding to process incoming money from days beforehand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase lending is discriminating against me for being low income and elderly by not choosing to withhold crucial information for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns is reporting this high debt thats not owe please remove this debt this is definitely identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
We are in XXXX for an extended period. Before I left the States I spoke with branch managers of the Wells Fargo Bank in XXXX to confirm that we could access our account online, When we first arrived in XXXX we were able to log on and access the account. We have a XXXX Wells Fargo account with more than {$10000.00} in checking and savings. 

Over the last two months we have been unable to access the account online. We have made several calls to Wells Fargo and they say they have a technical issue resolving this problem and the only way to rectify the issue is to fly back to the USA and visit a branch in person. We have family commitments here in XXXX for an extended period and can not fly back to the States. 

Additionally, we have made several calls to Wells Fargo and the answers keep changing as to why we can not get to our online account. Finally, we have no liens against our accounts and get regular deposits from the XXXX XXXX XXXX and XXXX XXXX so there are regular deposits.

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 2019-09-24 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: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: GA

Complaint narrative:
I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX 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 2019-09-24 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: GA

Complaint narrative:
I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Hello, I recently took out a new TD Cash card. My new account number ends in -XXXX. I have another TD Cash card that was closed due to inactivity ; that card ends in -XXXX. 

I activated my new card today -XXXX. When I logged into my online account, my old closed card -XXXX appears instead of my new one. 

I called customer service to get my new card -XXXX added to my online account. My username is XXXX. They advised that I would need to create a whole new account for my new card, which I don't think is right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I never had a XXXX  account this is fraudulent

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 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
The amount received on the letter for account XXXX shows {$690.00}. However upon logging onto the website as instructed on the letter the balance in full of XXXX was the only balance reported under any account or option under my name. This was paid in full and the collections agency now claims I owe more money under this account number and states only a partial amount was paid. This is an error from the collections agency and should no longer pursue debt in my name. See attached proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
ERC added a collection account to all three credit bureaus for XXXX XXXX XXXX for {$110.00}. I called and explained that this debt wasn't mine as I have perfect credit and have never had a collection. They said if I paid the debt, they'd delete it from all three credit bureaus. I figured I'd just pay the {$110.00}, even though the debt wasn't mine, just to have it removed. ERC removed it from XXXX and XXXX but refused to remove it from 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 2019-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amt {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
I took out XXXX XXXX worth of school loans. In XXXX, someone consolidated my loans, under my name consolidated my loans- my origional loans were through AES- Origional Consolidation Amount- XXXX   XXXX in XXXX XXXX XXXX defaulted to Penn Higher Education- {$57000.00} defaulted when i lost my life savings to an apartment fire and the death of my father, I also have severe psychological problems. 

Starting in XXXX XXXX- to qualify on loan rehabilitation - I maintained payments for 10 months.I completed the rehabilitation program but thought I was paying my origional loan provider ... the loan is now {$70000.00} out of default- -I Fell into delinquency the 2nd timeI called and called, yet they wouldn't service me. They told me I had to talk to the collection agency -XXXXt- that company haraased me and harrassed my family ... no one would return my calls or emails for 24 months during the collection process -- - The collection company - XXXX  now has my school loan at $ XXXX 6.6 % $ XXXX principle Its now at - {$100000.00} with % 20 interest fee- PHEAA now calls me on a daily basis wanting me to consolidate again with a government agency - I am not working, the past 4 companies i worked for went bankrupt- I can not own a home, i have been renting in CA for the past 9 years. My credit is XXXX because of this charge- I get no where accept threats from PHEAA and their past credit recovery system. I have a XXXX XXXX and can not find work right now. I understand on owing my origional loan at $ XXXX how can this be legal that I would now have to pay an extra $ XXXX - I can not afford this, i am scared for my life and my well being. My family and I have been homeless, transient and barley making it - i requested my origional loan signatures and no one can send me anything- they keep making up stories and directing me to another person over and over again. I didnt know what i was getting myself into because i am mentally ill and have told them countless times..i need help. I need someone to save me and my family from this. the burden is just to great for me to handle,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We took out a 5 year ARM with Chase ( JPMorganChase ) in XXXX, never missed or was late for a payment. Our intent was always to pay off the balance of the mortgage at the end of the 5 years. We received a letter from them 5-6 months ago making us aware that the 5 years was ending soon and called to verify the information we have received on every monthly statement weve received over the 5 years that the 3.125 % rate was valid through our perceived payoff date of XX/XX/XXXX and were assured that we would be fine. I called in late XXXX to ask for a payoff number from them and was again told that I had until XX/XX/XXXX but I had to call back after our XX/XX/XXXX payment was received to get the payoff. When I called on XX/XX/XXXX to get the information the number looked high to me and I immediately inquired and was told that our interest rate had jumped on XX/XX/XXXX to 4.5 %. The gentleman we spoke with acknowledged that his computer screen showed our rate as still being 3.125 % but claimed that was in error. We went into a branch close to us and they got a supervisor on the phone who understood our complaint and said she would review and get back to us in 2-4 days. When she called back denying our claim, we made arrangements to pay it off the next day ( XX/XX/XXXX ). We would like Chase to refund the difference in interest rates for the 10 days.

Company response to consumer: Closed with explanation