vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: OH

Complaint narrative:
I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( 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 2018-10-29 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: OH

Complaint narrative:
I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was compromised and when I realized my purse was missing XX/XX/2018. I called Chase Bank to inform them of this XX/XX/2018. I asked them to turn off my card once I had heard the different transactions that were unfamiliar to me. I then filed a claim on these transactions. I was sent letters that stated that I would be temporarily given a credit until the investigation was over. One morning I went to pay a few bills and I had noticed that my account wen from {$1100.00} to $ XXXX. I then called chase and they told me that my claim was denied because I didn't dispute the lesser amount charges, and when asked why I told them that one of their employees asked me which claim was more concerning to me and of course I stated the larger more noticeable amounts. I called in again to speak to a higher authority and an agent by the name of XXXX was very nasty and not very helpful. She told me that they denied my claim because my pin was obtainable from the items in my purse therefore I compromised my own pin. I then proceeded to ask her what I needed to do for them to further investigate, she stated that I should bring supporting documents and I asked her for an example and she stated that she couldn't advise me on that and I needed to figure it out on my own. I asked her if I should obtain a lawyer and then she said " Ok so you are threatening to get a lawyer correct ''? I then asked her why would you use such strong language as " Threatening '' she then recanted and said she never used such a word and I advised her that the calls were recorded. After my account was compromised chase went on to treat me as a criminal instead of a victim and they robbed me for the remainder of my funds. I will never in my life trust Chase Bank with any of my money again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX. I had a XXXX  balance with them. Recently I checked my credit reports and noticed that I am in collection with XXXX for {$100.00}. I went to the XXXX website and it shows a XXXX balance. I contacted XXXX on XX/XX/2018 and was told that it went to collection. I explained that I never received any notices nor phone calls to alert me that I was being sent to collection. The rep agreed no notice was ever sent out. Having this debt on all 3 credit reports is affecting my credit in a negative way. This is XXXX fault as how am I suppose to pay a bill if the system is showing a XXXX   balance.

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 2018-10-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My son and I have the same name and address, I own the home, my son moved out about 6 months ago, he apparently didn't pay his bill, I called the company, the account was SSN # based, I told them my SSN #, didn't match but they refuse to take it off my credit history, I am trying to buy a car for work, I have called, written x4, they won't move to fix this.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my 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 2018-10-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018, I XXXX XXXX filed a dispute with Equifax credit bureau ( # XXXX ). On XX/XX/2018 I called to check why I havent receive my results from the investigation. I spoke with XXXX from the special handling department where my file is being monitored because of identity theft. I stated to XXXX that I have not received my results and the 30 days had past. She said that the results were emailed to my email address, XXXX. I said to her thats not my email address and she replied, Im sorry for that. I will send it to your home address, I explained to her that the 30 days has past and according to the CFOB and FCRA that you had 39 days. I kindly asked her to remove the items because they fail to complete the investigation within the 30 days and notify me of the results and the fact you sent all of my personal information to an unknown email into the hands of strangers, she refuse to delete the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I signed up for the American Express XXXX Surpass card in XX/XX/XXXX while a promotion was going on that offered a free XXXX weekend night after the one year anniversary of holding the card. This offer stated " The free weekend night award will be sent as an email from XXXX to the email address listed on your XXXX XXXX account within 6 - 8 weeks after the first anniversary date of the Card account ''. On XX/XX/XXXX, I contacted American Express to inquire about that status of the reward and was told " The maximum time is 6-8 weeks. However, you may expect within 1-2 week as well ''. On XX/XX/XXXX, I contacted American Express again - this time, I was told that XXXX was responsible for providing the reward. I contacted XXXX and was told " American Express, not XXXX XXXX, determines if the card member is eligible to receive a Weekend Night Reward ''. I contacted American Express again on XX/XX/XXXX and was told an inquiry about the issue would be raised. Finally, on XX/XX/XXXX, I contacted American Express a final time and was told that no investigation was ever started ; however, the representative offered to open another one and stated I would be contacted " within 3-5 business days the outcome will be updated. [ And ] if you wish we can also arrange a call back once we hear from them ''. As of today, I still have received no response about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/2018, Nationstar Mortgage LLC dba Mr Cooper sought out and convinced my parents to refinance their mortgage. Their names are Mr and Mrs. XXXX XXXX XXXX, XXXX. They both passed away on XX/XX/2018. This is when this came to light. My parents were both old, XXXX and XXXX, and both had major illnesses that would have prevented them from entering into a contract of any kind on their own. My father suffered from many health issues including early XXXX. This was a case of predatory lending at its worse. They had a 30 year mortgage that they were 10 years into. Mr cooper redid this into a 15 yr mortgage to save 2 % but added nearly 7k to the note. This didn't even make sense. My parents did not enter into any contract unless my sister, caretaker, or myself was present. They preyed on them just so they could make commission. This is criminal. I've asked for this to be searched out before and the NC Attorney General is also researching it as fraud due to predatory lending. Their acct number is XXXX. I am including the clerk of court filing and a notary letter giving any and all permission for me to handle this for the estate.This has cost the children of the deceased their childhood home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: OK

Complaint narrative:
In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2018 my loan with XXXX  XXXX was sold to XXXX XXXX/Shellpoint Mtg Servicing. XXXX XXXX transferred my loan information to XXXX XXXX/Shellpoint with a negative escrow balance of {$480.00} for flood insurance. This was in error because I have had continuous flood insurance coverage since XX/XX/XXXX. I have never had an escrow account, as I pay all my taxes and insurances myself. I addressed it immediately with XX/XX/XXXX/Shellpoint because my first statement from them showed the negative escrow balance of {$480.00} and they added an escrow account and increased my 30 year fixed rate payment. I have called, faxed and emailed several times a month since XX/XX/2018 to get the corrections made. Each department says it's up to a different department to fix it. As of XX/XX/XXXX, I have repeatedly submitted evidence of continuous flood coverage dating back to XX/XX/XXXX including the letter from XXXX XXXX. XXXX XXXX will not help, they state they do not have any files or information ... that everything was sent to XXXXXX/XX/XXXX/Shellpoint. XX/XX/XXXX/Shellpoint puts me off continuously by stating a variety of non-sensical and non-applicable reasons for not making the correction. The last supervisor I have been speaking with in the Insurance Department ( XXXX XXXX ) states that " he is waiting for response from his contact at XXXX XXXX ''. This is FIVE MONTHS of being blown off by XX/XX/XXXX/Shellpoint ... all the while my FIXED Mortgage payment increased {$40.00} per month. I have NEVER had a missed or late payment on my mortgage and I do not want XX/XX/XXXX/Shellpoint messing up my excellent credit because they can not be bothered to correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018, I sent a letter to Capital One Auto Finance to dispute information they were reporting on my credit report about an auto loan I had with them. They responded to my letter by sending me a print out of payments they say I made to them. However, according to the Fair Credit Report Act ( FCRA ), they were also supposed to report to the credit reporting agencies that a notice of dispute be placed on my accounts within thirty days, which they failed to do. On XX/XX/2018, I sent them another letter advising them that they did not comply with the FCRA by issuing the notice of dispute. I then checked my credit report on XX/XX/2018, and they still had not put the notice on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. 

I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay 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 explanation
Consumer complaint received 2018-10-29 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: TX

Complaint narrative:
I contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I fell behind on y credit card account, and capital one contacted me, saying that if I made 3 on time payments on my account, they would reinstate the account after 3 third payment was made. After 4 on time payments, the account is still restricted, yet they keep telling me to wait, and wait, and wait. I understand they can conduct business in any way they see fir, I just dont think it is right to blatantly lie to consumers after you have offered them an opportunity to resolve the issue and make good one the agreed upon conditions for reinstatement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.

Company response to consumer: Closed with explanation