vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I received a notice in XX/XX/XXXX from XXXX XXXX this collection was added to my credit reports. I obtained the collection agencies information and contacted them. I spoke with a representative and she asked for my name, address, social security number and address. After providing all of this information,, the representative stated she does not have an account for me or any of the information I provided and I must dispute this with the credit bureau directly. I disputed this immediately with the credit bureau and they have not removed it. It was updated to included in bankruptcy. I have not opened or used any utility accounts in my name since XX/XX/XXXX. If there was ever an account with an XXXX XXXX XXXX XXXX it would have been included in my XX/XX/XXXX bankruptcy and that is beyond ten years to remain on my file. The credit bureau has refused to provide the information in which they verified the date this account was opened and when the collection agency took over this account.I am even unable to get my dispute results from the credit bureau even though they've emailed me that my dispute results are available. Every time I enter my information to obtain the results, XXXX XXXX  and XXXX websites all say technical difficulties for the past week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX. I attempted to transfer because the school lied to me and stole from me. I have tried to get answers since I enrolled but have yet to get anything beneficial for me. I was XXXX during this time as well, so I am also trying to catch up on these issues.I want to finish school and be successful. I need help getting all the information that you may have for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TN

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO I ALREADY DISCUSSED AND TREATED TO COMMUNICATE WITH YOU BY TELEPHONE AND I DO NOT GET IT I WAS SEEING MY CREDIT INFORMATION AND I SEE MULTIPLE INQUIRES THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION STOLE MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TN

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: IL

Complaint narrative:
both trans union and XXXX  block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
DISCUSSED AND TREATED TO HAVE ANOTHER BANK IN MY NAME AND TOLD ME THAT I HAVE AN ACCOUNT WITH THESE BANKS THAT ARE REPORTING TO ME WHICH I DO BUT IT IS NOT SO I DO NOT HAVE NOR EARNED IN THE PAST WITH THIS BANK SOMEONE ELSE USED MY PERSONAL INFORMATION TO MAKE ACCOUNTS ON MY NAME ...

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 2019-04-08 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: TN

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. Chapter 7 Bankruptcy 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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.

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 2019-04-08 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: IL

Complaint narrative:
both XXXX XXXX and Equifax block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: IL

Complaint narrative:
both XXXX XXXX and XXXX block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX   ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.

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 2019-04-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had a charge off do to come off my credit report ( Experian, other credit reporting companies have not been checked for this ) in XX/XX/2019 - XXXX XXXX, the company the charge off is with, Illegally change my credit report to the charge off to have occurring in XX/XX/2019 and adding 7 more years to this account - Falsely changing an account constitutes fraud - Best resolution is not only this account comes off my credit report immediately but XXXX XXXX be restricted from reporting to the credit bureaus since apparently they have a dept dedicated to performing fraud by intentionally falsely changing data to harm the public.

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 2019-04-08 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: AZ

Complaint narrative:
This credit card has nothing to do with me. Never asked for have or used this credit card. Not mine. Yet they say its been verified. NOT. I HAVE NO IDEA WHAT THIS BANK IS. AND HAVE NEVER received ANY information or card from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After making a deposit payment ( XX/XX/19 ) to XXXX XXXX ( military veteran ) for a condo, we changed our minds within XXXX. He replied back to our email that he would refund us the {$600.00}. However, we never heard back from him. We executed a rental contract that we would receive the keys the morning ( XX/XX/19 ). When XXXX failed to provide the keys on time, we decided to cancel the agreement to find other arrangements. He responded sympathetically and agreed to return the money ... as long as we provided a screen shot that the funds indeed went through. I told my fianc not to send him the confirmation and instead contact Chase and or XXXX. Chase recommended we send a Request to Refund. We sent it and received no response. My fianc sent the confirmation email with hopes he would return the money. But, still no response. Can someone please tell us how to get this resolved? There must be something that can be done! If not for us, the millions of others that will stop using XXXX and other options if there is no sort of fraud protection. 
XXXX, FL We also confirmed this guys used a fake ad on craigslist as the condo he was offering never existed. XXXX # XXXX unit XXXX at XXXX XXXX XXXX FL. XXXX XXXX is a XXXX. That may not even be his real identity. His email is XXXX and he uses a XXXX phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I closed on my new home XX/XX/XXXX, it was a brand new build. My servicer, US Bank did an escrow analysis in XX/XX/XXXX, they sent me a check for about {$970.00} and my payment went up about {$40.00}. I was under the impression that they did the escrow analysis on the tax appraisal value, which was done XXXX or XXXX 2018. I kept checking my appraisal to ensure that the new value was listed as I know that XXXX is when an escrow analysis is typically done. So when they did the analysis in XXXX I trusted that they used the new value. I was wrong, the sent me an escrow analysis XX/XX/XXXX, my payment went up {$900.00}. The servicer says that I am over {$6000.00} short in my escrow account. I always expected my payment to go up about {$200.00} - {$300.00} since it was going from land only to a new structure being built on it. So the payment went up, as I expected but then I have to pay another {$500.00} for the shortage. 

I called them and asked them why they didn't check with the XXXX XXXX Appraisal District for the new value, I was told they just went by the invoices from the previous year. I feel they are at fault for not doing their job to get the new value, especially when the property starts with land only. 

So now this puts me in jeopardy of losing my home, who can pay that much more for a house payment. I got no sympathy from the servicer. 

I don't know what can be done but I don't feel that they did their job properly and now I have to suffer for it. I don't know what the laws are, but I feel that servicers need to make sure that they have the most updated information from the appraisal district. How many other people has this happened to, it is just wrong. This has caused a lot of stress, when it could have been avoided. I trusted them to know what they were doing, but obviously they don't. 

Please help me so I don't lose my home. 

Thank you, 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 2019-04-08 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
A few weeks ago, I remitted a payment to XXXX XXXX XXXX for a minimum payment of {$180.00} dollars which was submitted on my due by date of XX/XX/19. The payment was an on time payment, and wasn't late. Two days prior, I made a deposit at bank with my paycheck of a large sum of money, and later found out that my check was coded incorrectly while depositing it. The paycheck wasn't clear to deposited into my account on time due to a banking era, which was caused by mishandeling the check improperly at bank. It caused my payment at XXXX XXXX XXXX alone with some other payments I had made, to return as insufficient funds on all my accounts I had paid out. I put the funds into the bank in good faith to have my bills paid on time. After I found out some days later, that the bill wasn't paid, I went to the XXXX Store here in XXXX XXXX, Mo. to pay in person and instead of paying the minimum payment, I paid {$1900.00} dollars on the account to get caught up. Two days after I paid {$1900.00} dollars, XXXX closed my account and gave me a thirty day late payment on my credit file. I've had this account for over two years with no thirty day late payments. Not Even One ... I pay my bills on time. It's not my fault the bank made an era on their part. I would like to have this late payment removed and my account restored.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect company name and incorrect collection amount attempted.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect company name and incorrect collection amount attempted.

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 2019-04-08 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: MI

Complaint narrative:
Experian has several accounts misreported on my file. When I initially asked to investigate they did sobut improperly. They have contined to keep false and inaccurate information on my file. This has cost me greatly negatively. I requested yet again they invetigate. I was told no because they already did so. There are addresses that are not mine and never should have been indicative as such. They have incorrect spellings of my name on file as alias. This is gravely inaccuarate. Most recently my credit file reports no freeze or hold. They a have denied once again. Yet, wqs just advised by a mortgage company they couldn't pull my file due to an Experian freeze. The backlash of the false data and misrepresentation never ends!

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 2019-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested that an overpayment I made to my credit card be sent as a refund check to my home because I mistakenly made a double payment to my credit card. The refund check was returned by the courier because i wasnt home and I have been calling chase to get the refund reissued. I have waited nearly a month for them to return my overpayment. And I have been hung up on multiple times and they have been using stalling tactics, telling me to wait ten business days for a stop payment to be done then an additional 3 - 7 business days for them to figure out where the refund is, or whether its been cashed or not. The supervisors cant give any updates about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: AZ

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
They called me on XXXX three times in a row. XXXX through XXXX. They also call leaving threating voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: AZ

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX**** XXXX XXXX XXXX   XXXX XXXX/XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Hello, I am enrolled in the PSLF program through IBR. I had to refinance my loans with XXXX XXXX to enroll in PSLF, which charges high interest but I was hoping would be worth it. I have moved and taken dramatic changes in salary, as has my spouse. XXXX XXXX has not provided with me information to make sustainable payments according to my income bracket, and I can not afford to pay at all. They have been unresponsive to contact, and I have been forced to defer payments for the last 10 months waiting for them. They seem to lose my documentation or keep telling me to resubmit it again and again, although I have many times. All the while, they charge me the interest and it accrues while waiting for them. I am not sure how anyone can afford to get a Masters degree at all. PSLF was the only hope I had.

Company response to consumer: Closed with explanation