vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
two XXXX XXXX XXXX accounts are reporting under my name on experian and XXXX credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help

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 2019-04-25 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: IL

Complaint narrative:
I disputed incorrect information on my credit reports in XXXX and still have no completed results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am in the midst of a personal crisis and unable to get past the application for the small loan. 

Since 2014 I have tried to get my credit report but it is impossible to accomplish this task. I reported to the Indiana Attorney General ( XXXX XXXX ) and have gotten nowhere. 

I have run out of options to resolve this issue. In the spite of the all the issues I am tired of all the screen messages, no such name, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I received a letter on XX/XX/2019 regarding an account ( ref # : XXXX ) requesting for me to pay a balance of {$350.00}. I replied to the letter from the company ( diversified Adjustment Services INC ) requesting for them to validate the debt. I have yet to get a response, however, they have inserted this information to my credit report. This has caused me to have to delay proceeding with buying my home due to a recent collection that hit my credit report. As a result, I will have to pay an inflated market rent for an undetermined time to my landlord due to me not being able to signing an extended lease. No one at Diversified 's office has helpful with determining the validity of this debt. I have never done any business with the company and am not sure how they have received my information. I requested a validation due to the fact that I am a XXXX and I have had to fight recently to remove information that belonged to my father from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Just got off the with a female representative who refused to disclose any details or send me any information in the mail regarding two accounts I have with them. Todays date is XX/XX/2019 and the phone call was at approximately XXXX XXXX cst. I am disputing both of these accounts and they are refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XX/XX/19 Received a call from XXXX XXXX with XX/XX/XXXX XXXX stating my file was being turned over to legal and they were calling to see if they could mediate the file before it was turned into law enforcement. I fell for the scam, gave them my credit card information to start making monthly payments against the debt. Paid first payment and then was notified by bank that my identity was compromised. I tried researching the company and found nothing but scam complaints against them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In the past 6-8 weeks, Bank of America closed two of my credit card accounts. These were small accounts and payments were being made. I make all my payments from my home phone number, so when I called to make my on time payments, the audio assistant stated that my account ( s ) were closed. After making my payment ( s ), I asked to speak to an assistant who informed me that they closed my account because they didn't have my cell phone number, so I gave them the number, along with my SSN and the answer to my security question. They said they couldn't look at my account without my cell phone being on file. The absurdity was not lost on me, so I asked " Well how do I find out why my account was closed '' and they replied they couldn't tell me because my cell phone was not on file and they would send a letter with a number that I could call. I have not received a letter with this magic number. I feel that I am being discriminated against for .several different reasons : I am a widow, I am XXXX, I am not " wealthy '', I have a credit rating in the low 700 's, I am a woman, I don't use electronics resources to pay my bills or access my account!!!! I hope you can assist.

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 2019-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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:
This account is fraudulent XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: OH

Complaint narrative:
I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark 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 2019-04-25 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: OH

Complaint narrative:
I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed incorrect information on my credit reports in XXXX and still have no completed results.

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 2019-04-25 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: VA

Complaint narrative:
In XXXX and XX/XX/XXXX XXXX reported to Equifax that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If Equifax had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark refuses to apply S.C.R.A. Interest rate reduction to this loan for the period of time I was mobiled to XXXX XXXX XXXX-XXXX. 
Local manager claims ignorance on what Headquarters does.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield Associates continues to contact me after I have given them my attorney number to verify that this debt they are trying to collect is still pending and the amount isn't correct as well. Pending lawsuit for auto accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: VA

Complaint narrative:
In XXXX and XX/XX/XXXX XXXX reported to XXXX that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If XXXX had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.

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 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX of XXXX I purchased my home and BMO Harris over estimate my tax escrow amount by {$700.00}. I paid my the total amount due for my XX/XX/XXXX property taxes to the taxing authority in XX/XX/XXXX. They have since paid my XX/XX/XXXX installment and have yet to refund the escrow overage back to me. During the month of XXXX I've reached out to them by phone times and spoke to a rep, and I went into a branch and spoke with them face to face. In XXXX I spoke with another rep over the phone and ach time they took my information down and advised that some one would be in contact with me.Yesterday I called the branch that I went into in XXXX and ask for the branch manager. He wasn't available and a left him a voicemail to which he hasn't yet responded.As of today, I'm still waiting for the escrow refund and for my month payment adjust accordingly.

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management has came a few times to try to serve papers the lady comes in a with her minor children and has cussed out my father in law and told him she's just going to have the police come and arrest me. She has even gone to our neighbors to ask where I'm at and where I work how can she catch me cause she's going to get the police to come arrest me. Midland credit management has already taken out money from my bank but refuses to credit to any account. When I've called the lady 's that answer just yells " you owe us money anyways the police will deal with you I'm not giving you any information on your debt " but if I start the phone call with I'm recording this conversation too the line gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kirkland Asset Management LLC
State: NY

Complaint narrative:
They called me repeatedly on my cell phone, left a message saying a potential claim being filed against me regarding a transaction that I previously authorized and if I want any outcome to be known to call XXXX and ask to be connected to the Pre Legal Department and reference XXXX. They proceeded to call a family member and demand my location. They keep calling my house, my place of employment and I do not know who they are. I want to be left alone.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
Today at XXXX EST I received a call at XXXX ( which I am assuming was an auto dialer ), that I unfortunately missed. I returned the call to get answered by a woman who I could not understand because she spoke so fast. I asked her to stated where she was calling from she played games with me by saying " I didn't call you, you called me ''. She refused to identify where the call originated from. She then began to laugh and hung up on me. It was incredibly disrespectful and unprofessional. 

I called back. It was another female. Same thing, refused to identify where she was associated with and hung up on me. This happened a few times. Then a man answered the phone and claimed to be a supervisor. He was just an unprofessional as the others. Speaking over me, laughing and cutting me off. However, what he did was disclose information about my husband without verifying any of his or mine information. He started spewing off details such and his employer and personal information. To my knowledge this is a violation of privacy and FDCPA. 

I called back again and spoke to a gentleman and yet again was not given information about the call. Instead our home address was provided to us as well as a former employer. My wife advised of the FDCPA and that I worked for a XXXX XXXX. The mans response was a laugh and then followed with Your husband is a XXXX   ... He works for XXXX XXXX After this my wife called me to inform me of the calls when we made a 3 way call. I identified myself as requested as Mr XXXX ... we began to discuss our experience when we were told we were harassing the company and were hung up on. 

Upon several times calling back we were picked up and then immediately hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I received a bill that my mother owed dated XX/XX/XXXX. My mother has XXXX XXXX and I had worked with XXXX XXXX prior to this. Apparently it went to Berlin-Wheeler. I sent them a check in early XX/XX/XXXX for the balance of {$52.00}. On XX/XX/XXXX I received a voicemail from BW and called them right back. The representative I spoke with was short, rude and abusive. She claimed the bill is now for over {$100.00} and would not answer any questions of mine. We both became confrontational and she terminated the call after I asked if we could talk like adults. All she wanted was a payment. 

I would have been happy to explain the circumstances and that I had mailed a check but this person would not have a conversation with me after explaining my mother had XXXX. 

I have worked in this industry for years. This employee needs to find a better role off the phones. 

I request this bill be zero 'd out immediately and the reporting on my credit be removed within 30 days. I will take legal action and continue to have the CFPB and other Federal and State regulators speak on my behalf if not resolved within that time. 

I also request the CFPB to investigate this firm for flagrant violations of FDCPA and other similar regulations that govern third party collection agencies.

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Original Creditor - Chase Card {$800.00} Amount - Unverified Date Disputed :XX/XX/XXXX Disputed Charges & Requested For VOD - Validation Of Debt *** NOT Validation*** Resolution : XX/XX/XXXX  Per XXXX : I Quote Account Was Charged OFF & Status Was Updated Inaccurate, Unverified Accounts Per FCRA Sec. 609, 611, 623 Using The XXXX XXXX is an automated & does not even begin to Constitute a reasonable investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im trying to get immediate foreclosure assistance and I also have a large problem with my homeowners insurance that 4 months after filing a claim a theyve now denied my claim, further suggested my claim is fraudulent and have tied up all my accounts. 
They never even sent an adjuster to my house or provided me assistance in filing the claim properly but did take my {$1000.00} deductible for the claim. 

Im XXXX and Ive had some harsh hardships this past year, but suggesting fraud is obscured, to avoid paying a claim and at the time I filed my claim I was not even behind on my mortgage. 

Im now 5 months behind, no current income but only expect this to be short term. But do to the county lowering my property value due to damages and the damages themself, I cant sell the house either I also applied for mortgage assistance with my lender at the time, Wells Fargo, and they sold my loan to some unknown bank XXXX XXXX XXXX 2 months into the modification process and dropped me and within days XXXX XXXX XXXX XXXX denied my application and started sending threatening foreclosure letters and would not look into additional options only denied me because of income to debt ratio. 

Wells Fargo advised me to not make payments during modification application process, so I didnt either. 

Now every company I call for help will not offer me assistance Can you please help me immediately ~ Thank you XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA 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 2019-04-25 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: FL

Complaint narrative:
This account is fraudulent 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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am receiving repeated phone calls ( now daily ) from various XXXX XXXX telephone numbers. I know them to be a debt collector, yet I have no outstanding debts. Calls received from : ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX  on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 Those are just the most recent calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation