vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
The mortgage account currently being reported was updated XX/XX/2019. In XX/XX/2019, we applied for a refinance of said mortgage l, but had to remove a HELOC loan, that was discharged in a bankruptcy in XX/XX/2019, cleared from the title. The lien was immediately cleared but now the credit report is currently reporting the entire mortgage discharged in bankruptcy, which it wasnt. The mortgage was reaffirmed on almost 10 years ago. Due to the inaccuracy of reporting the correct information, we were declined a refinance. I have disputed the inaccuracies with Experian and reported the inaccuracy to XXXX, but to no avail. Do to the recent and extensive negative impact upon our livelihood, I am going to attempt to resolve this before retaining legal counsel. Please advise.

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 2019-04-16 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: Ditech Financial LLC
State: SC

Complaint narrative:
I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XX/XX/XXXX and XX/XX/XXXX. I tried fixing the problem but DiTech Financial is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact Di Tech financial to have my credit reports updated and corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I received notice a new account repository my XXXX credit report. Upon revisit showed axcess financial and I was not familiar with this. I called the number provided they stated I had applied for a loan but they could not nor would not give me any other information. I asked if XXXX XXXX was also on account they confirmed but would not give anything else. I believe my ex-wife opened this account and had funds deposited into her XXXX XXXX Account without my knowledge. She previously did so with a company called loan me and they confirmed and immediately closed the fraudulent account.. this is not my account I never received any funds from this company. Please look into possible fraud actions by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Original company was with XXXX finance company on or about XX/XX/2015 and now owned by Cavalry port balance of {$9900.00} was changed off. The Debt is to old to Legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: NC

Complaint narrative:
There is a hard inquiry for XXXX XXXX  on my Equifax credit report that I did not make. I have never had any dealings with this company. I call XXXX XXXX XXXX they have no information regarding me. I called Equifax XXXX and they said call XXXX  XXXX and that they could not dispute hard inquiries. This inquiry is dated XX/XX/XXXX on Equifax. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX - Telephone Companies This inquiry could stay on your report unti XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I re consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.

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 2019-04-16 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. Wells Fargo has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: LendUp Loans LLC
State: AK

Complaint narrative:
Lend up / XXXX XXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. Please remove from all three credit bureaus as I never had a account with or paid any money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected

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 2019-04-16 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: SC

Complaint narrative:
I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America ( the bank, hereafter, BoA ) posted and reflected {$7600.00} on my ( hereafter, customer ) account as available for use on XX/XX/XXXX, this turned out to be a fraudulent payment. On XX/XX/XXXX, a {$2400.00} cash advance was withdrawn at BoA financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, this was after customer enquired and a BoA representative advised that the money was available. Of the withdrawn amount totaling {$2100.00} was sent to the fraudulent paying party via XXXX XXXX. See attached receipt. The remaining {$240.00} was also used towards fraud related purchases. On XX/XX/XXXX, BoA posted {$7600.00} as unpaid. Customer reached out to BoA reporting a fraudulent payment on the account and lodged a complaint to the bank for negligence and failure to advise. It is now apparent that the funds had not fully processed when the bank advanced cash. Customer requested BoA to credit the account of lost dollars and all fees related. Please review my account and subsequent phone calls to the bank regarding the matter. BoA was fully advised about the fraudulent activity on customers account. Two credit cards, Saving and Checking accounts were closed down and BoA re-issued new accounts. BoA, however refuses to credit back the {$2400.00} plus the credit card cash advance fee, {$120.00}, interest on bank cash advance fee {$XXXX} and any other fees related to the 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 monetary relief
Consumer complaint received 2019-04-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, Transunion and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and Experian. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2019-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Original company was with Exeter finance company on or about XX/XX/2015 and now owned by XXXX XXXX balance of {$9900.00} was changed off. The Debt is to old to Legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: NY

Complaint narrative:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over XXXX XXXX XXXX. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

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 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
XX/XX/XXXX After checking my credit reports, I noticed that PlusFour Inc a debt collector had posted eleven medical accounts with credit bureaus as negative. I was never contacted by PlusFour Inc. 
I wrote to them the same day to request a debts validation for all eleven accounts by certified mail # XXXX XXXX XXXX XXXX XXXX and by regular mail. I had full medical coverage since XX/XX/XXXX except for the {$10.00} co-payment that're always get collected upfront and I only visit providers covered by my insurances company. 
XX/XX/XXXX PlusFour Inc refused my certified letter and was return back to me, except the regular mail.

XX/XX/XXXX Second request by regular mail to PlusFour Inc for accounts validations since I didn't get a response. 
XX/XX/XXXX Third request by regular mail for accounts validations - No responses. 
XX/XX/XXXX Received a collection bill from PlusFour Inc for XXXX XXXX XXXX for the amount {$110.00}, bill date XX/XX/XXXX. The same date I wrote back to them by regular mail requesting validation. 
XX/XX/XXXX received a bill again with a XXXX XXXX XXXX account statement showing zero balance, insurance company had settled with XXXX XXXX XXXX on XX/XX/XXXX. This  statement was provided to me by PlusFour , Inc how is that they refused to read this statement and were quick to bill me for something that was already settled. 
XX/XX/XXXX I responded again to them and took the opportunity to request validation for all eleven accounts reported on my credit reports by certified letter # XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX PlusFour Inc refused my certified mail again and continue to report inaccurate information to the credit bureaus. 
It's not fair to the consumers that collection agency chooses what mail to receive and which one to refuse, we the consumers spend a lot of money sending certified mail but, the collection agency due it thru regular mail when is convenience to them. 
I'll be attaching copies of the letters, certified mail receipts, USPS trackings and other documents as necessary.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was contacted by Lexington law firm to repair credit, two months ago, they, said that XXXX, for one time payment, .then it went to a XXXX, one time payment.they were suppose to send letters out .3letters in all, then called for XXXX a monthly fee to build credit,. 
Then I got call from my debit card holder, MasterCard, they suspended my card, because of suspecious activity .The rep. Told me they have been having major problems with XXXX XXXX, do not use them .I am enrolling in XXXX a my financial aid has a problem, and I only have till XXXX to get tis straight so I can attend an receive help financially, They led me here, so I hope this will help get me started on my edu an future. I thought I was. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Restoration Account Privileges Customer was advised by BoA to close her account when she reported fraudulent activity reported above. All BoA accounts were affected since they were ( and are ) all linked. At the financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, customer was advised to close and re-open account for security purposes. Customer enquired about the implications of closing and re-opening the accounts, to ensure that the old account privileges were/are transferable to the new account. BoA responded in the affirmative and assured customer that account privileges would be preserved and transferred to the new account after a couple of days. Customer was advised to return to the financial center or call the customer service number and the privileges would be restored. BoA has not honored this assurance, and customer still awaits in dismay. Please review details on account notes, from XX/XX/19 when account was closed and re-opened, and the phone conversations with multiple BoA representatives on XX/XX/19 from XXXX XXXX -XXXX XXXX, including XXXX of Texas, who again on the call noted that the privileges could be restored, but later changed her mind after putting me on a brief hold, for a consultation off line.

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 monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently requested a credit line increase on one card. Was denied and when I called in for more information was not given any information or help. I proceeded to explain to the customer service representative that I might consider closing the account if there was no possibility for a credit line increase. At this point the phone conversation was immediately disconnected. I logged onto my account soon after to find my account had been closed without any of my proper consent and the customer service representative now says that I authorized the closure of the account when I never did. In short, expressed an interest in closing an account, was immediately disconnected and my account was closed without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed online by a person that told me to send them money in exchange for XXXX. The account has been scamming lots of people and I notified Chase of this fraud account and to check all the cash that has been sent to his account. I posted on twitter to raise awareness of this issue and there has been a lot of people scammed into the same scheme of sending this guy money. His name is XXXX XXXX. I have the email account he used. XXXX He uses this email on XXXX  to get money. I asked chase to reverse the transaction since he has scammed me out of {$3600.00}. As of today, Chase has denied my claim and sees no fraudulent activity whatsoever. The guy even came forward and said he was scammed as well. I want my money back. There is no protection whatsoever. The account and email he uses has fraudulent activity on it. Cash going in and out. Chase refuses to do anything to rectify the situation. Why partner with  XXXX if they are just going to XXXX people. It might not be a lot but this is theft to me. Money gone for nothing.

Company response to consumer: Closed with explanation