vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment Document password - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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:
Exhibit " E '' will show the results of Equifax answer to a dispute. It shows that there were multiple accounts with XXXX being disputed. Only one was being disputed ( Please see Exhibit " A '' as to the correct disputed account a certified copy of an unsigned note by XXXX ). They removed the wrong account ( please see Exhibit " D '' for the account that was not suppose to be removed, but was done so - I did not file a dispute for this account ). Furthermore, the ONLY account that was disputed and should have been the only one removed from my report was the invalid account ( Please see Exhibit " B '' and Exhibit " C '' unsigned note as well as an altered note by XXXX showing an owner that has never been known to me and letter asking that we sign liability for this invalid loan on a vehicle that someone unknown to us owns ). Please correct this mistake by removing the correctly disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase account has been active since XX/XX/XXXX and I have not had any problems with the account and Chase confirms that it is in good standing. On XX/XX/XXXX, I made a payment, as I always do, using the Chase online system. The payment was for {$490.00}. Due to my accounting error, this payment was returned by my bank as NSF. I then made another payment on XX/XX/XXXX for {$590.00}. Although Chase waited 7-10 working days for this payment to clear ( which it did approximately 2 days after the payment date ), I was told that a hold on the credit had been placed. Subsequently, I made another payment on XX/XX/XXXX for {$890.00}. I confirmed with my bank and the payment was paid at the bank on XX/XX/XXXX. I contacted Chase bank about this payment and they advise me that a hold has been placed on this payment as well. When I advised the representative why this was being done she advised that this would be the procedure on any payment to my account for the next 120 days. I voiced by dissatisfaction with this process, as I had not had any financial problems with my account before and she verified this during my call. She states that this is Chase 's policy. I advised her that I was going to file a complaint with CFPB and request that this department review this unfair procedure that Chase has in place on it's cardmembers. One would agree that this practice would be for cardmembers that continually have matters like these occuring. However, since XX/XX/XXXX, I had not had any other instance such as this having occurred. I am requesting your office 's review of this official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this matter with Experian a number of times submitted prof this was paid in full. But Experian has ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete 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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I haven't received the {$200.00} sign up reward as advertised below by Valley National Bank after meeting all the direct deposit requirements. 

XXXX XXXX  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I disputed this account with a collection company called XXXX. XXXX  via XXXX  and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have attempted to file a dispute with Transunion multiple times over the last few months on their website. Their initiate dispute feature has been down consistently in that time. Further, a dispute I previously submitted has not been dealt with. I attempted to call to get some information about what was going on and the representative was unhelpful and unable to answer my questions. I was not notified in writing about any status update or closure at any point. How is it that I am unable to rectify incorrect credit information with a company whom I did not consent to doing business with in the first place? I find it interesting that this company can just collect data, including sensitive personal/financial information, without having been given my consent and then continue to operate without any repercussions when they fail to protect the very information that dictates our financial freedoms. How they can continue making it extremely difficult to correct false reports on the phone with people who do not reside within the country they serve and hardly speak the language of the very customers they are there to help. My last dispute was never resolved, updated, or followed-up on and I have been unable to file a new dispute regarding an account I have never seen before. Federal law seems to only apply to citizens, not companies.

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 2018-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Starting on XX/XX/XXXX, my purse was stolen along will all my bank account information ( checks, credit cards for me and my husband 's wallet, and bank cards ) when I reported the fraud I was not told that I should have closed all the accounts and that by shutting down the cards was what I needed to do. So as the fraud charges were coming in I was reporting them as new fraud instead of part of the initial fraus case. Then I spoke to a supervisor who called me regarding all the open cases, and she said that I was misinformed and should have closed the accounts. When I opened the new account it was only one of them, because I get direct deposit we left it opened so the fraud credits would be returned and my direct deposit was going to be redirected to the new one. However, the old account was going to be left open so everything would be resolved and if something happened and I owed money I would be able to pay when I got my big check in XX/XX/XXXX on or before XX/XX/XXXX. Somehow the acct got closed and sent to collections. On XX/XX/XXXX Chase transferred {$130.00} or {$130.00} to the closed acct without notifying me and besides that there was already a verbal agreement for payment should there be one needed. Now today I went to transfer money from my savings account which had XXXX in it to my acct ending XXXX which because XXXX   XXXX XXXX took {$150.00} instead of {$110.00}, making it overdrawn. I have not had a chance to call them yet. I have I guess now lost my accounts with chase ( today ) but must have the {$50.00} in the savings acct and the transfer that should have never taken place today. We live on a budget, Chase made these mistakes I should NOT have to pay for them!! 
You guys have treated me terribly since the start of this!! 
Contact me immediately please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! 
On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have no idea why this company claims I owe them. I never received anything in the mail just an alert on my credit report. I have no idea regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: MS

Complaint narrative:
In XX/XX/2018 I sent my first dispute letter to TransUnion. In the letter I requested that they send me copies of the documents that they have on file verifying the accuracy of the accounts I listed. I have send a total of 4 letters and they refuse to send me proofs or delete the accounts.

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 2018-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Over the course of the months, I have had numerous issues with this company where one instance one of the collectors got out of character with me, but I've retain a attorney XXXX XXXX XXXX in  XXXX FL and we would like to settle alleged debt for {$1000.00} and have until the end of the month to pay.I will make payment via phone with my attorney as 3rd party to confirm my payment and I once payment is made will be looking for a settlement letter as confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was never join with XXXX XXXX auto loan, idk why its on my account can you please remove it from my credit report asap thanks

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX  and XXXX  but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. *see attachment* Document password - 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 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They called me at XXXX and often harass me with multiple calls a day, typically while im at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a charge account with Kohls which I use occasionally and always pay in full. Therefore I do not receive a bill every month. 

I also subscribe to a credit monitoring agency which notified me in XXXX that Kohls had reported a late payment. Since I had not received a bill since approximately XXXX, and did not recall charging anything I called Kohls. 

They informed me that a bill had been sent by mail in XXXX and returned. They made no attempt to contact me by email, even though they send me emails every day and still do to this day offering sales. I was also told that attempts had been made to call me by phone. When pressed they stated that the call was from a debt collector. I explained that my phone blocks such numbers. 

I asked that they send me the bill and that if it was mine I would pay. I did not receive anything. I called again on XX/XX/2018, and was assured that a bill would be sent, and the negative report removed from my credit report. 

Despite this assurance another negative report was filed and still have not received a copy of the alleged bill. 

I want them to ( a ) provide me with a bill if it exists ; ( b ) remove all negative reports from my credit report ; and, ( c ) remove any late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.

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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have 2 banks XXXX XXXX that I owe {$2000.00} and Santander bank that I owe almost {$3000.00} that I cant be able to open an account someone used my id and social to obtain a debit and credit without my permission and I was told to pay it back to the bank when I haven't opened the account. I have a lot of fraud going on someone is using my information to open accounts and using my name to claim I did and I am responsible to pay back every penny. I also confronted it to the bank but they cant be able to help me. Please help how can I can go about doing so. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX is in violation of CA anti-dual tracking laws and is guilty of acting in bad faith on a real estate transaction. At issue is a short sale request that was submitted to XXXX XXXX and XXXX XXXX confirmed receipt of a complete package. Once the package was complete XXXX XXXX is legally obligated to postpone their foreclosure sale date for XX/XX/18 which they have not. 

Additionally on XX/XX/18 the underwriter on the file acted in bad faith when they denied the short sale for a bogus reason of " title issues ''. All lenders understand short sales have title issues and have a legal obligation to work a short sale and provide a short sale approval letter so that junior lien holders will know how much is being offered. XXXX XXXX had a good faith obligation to advise what title issues they were concerned with and allow time to have those title issues responded to. They did not. They did not because they are acting as a foreclosure mill breaking laws and had no interest in doing what they are legally required to do which is help homeowner avoid foreclosure. XXXX XXXX should have their license pulled from CA since they can not operate within CA laws. 

Also as notated by the email attached the title issue XXXX XXXX was referring to clearly states they require XXXX XXXX approval letter before they will work short sale which is standard industry practice.

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: MI

Complaint narrative:
The company is trident and they are trying to collect a debt that does not belong to me. It's in the amount of {$69.00} and I want it off my credit report. I've disputed this item many times to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation