vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I froze my Equifax credit file in 2018 due to their data breach. I am now trying to unfreeze my credit report to apply for a credit card. Equifax is not allowing me to access my online account. When I called the representative on the phone was unhelpful and stated he could not verify my information since I do not carry a balance on any of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. Transunion, XXXX  and XXXX. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.

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 2019-08-12 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. XXXX, XXXX and Experian. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.

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 2019-08-12 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:
I have incorrect information on my credit file as a result of identity theft : XXXX  XXXX XXXX - OPENED XX/XX/2019 - {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NY

Complaint narrative:
I have been working with Equifax to update or delete accounts that have errors on my credit report and Equifax confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Equifax and notice the changes have not occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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:
XXXX XXXX posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX and XXXX  have both removed the collection from my credit report, but XXXX   is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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:
I have incorrect information on my credit file as a result of identity theft:XXXX XXXX XXXX - OPENED XXXX 2019 - $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 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. 
On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Called about a medical debt that I owed because it was on my credit report. I was never notified the company had my acct. I advised the rep I spoke with and her response was ' Well you had several addresses ' They added fees and interest which is illegal for medical accts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When living in XXXX XXXX XXXX  XXXX  XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. Can you PLEASE assist me with helping dispute this item on my credit with XXXX and Experian. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX Agency name paid in full to : XXXX XXXX Sub # XXXX XXXX XXXX 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 2019-08-12 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: MO

Complaint narrative:
I issued a few disputes in various ways about this already, but didn’t realize the scope of the problem. At first I thought this only was on my Equifax report. Now I realize it’s also my XXXX and XXXX as well!There is an account from a Collections Agency being incorrectly reported an my credit files.The account is from the collection agency, “XXXX  XXXX XXXX”, account #XXXXThis account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. Equifax simply responded that the Collections Agency is “not reporting at this time”.I should have no accounts in collections, and further, XXXX is displaying this item as a “Charge Off”, meaning that they say I still owe money for it.XXXX XXXX  XXXX needs to be held responsible for correctly reporting this item as “Closed with a Paid in Full status, as of XXXX), and being sure the credit agencies receive that information.I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from Equifax. This account still shows as active in collection on XXXX too. All of this needs to be corrected and properly reported by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: LEXISNEXIS
State: IL

Complaint narrative:
I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VT

Complaint narrative:
My Loan was transfer from XXXX, who filed Ch. XXXX to LoanCare. Prior to my transfer I had requested a cancellation of my escrow, which was confirmed by XXXX. Something did not transfer right, only the insurance portion was canceled. When I made my payment without the escrow amount I was charged a late fee. I quickly resolved the issue but have been fighting with LoanCare for 4 months to have the fee reversed and apply my payment correctly. After I was told in XXXX & XXXX that the fee was reversed on XX/XX/XXXX and the overpayment that was put to the principal curtailment would be adjusted if I paid X dollars in XXXX. After my XXXX payment I received a call that nope I was given misinformation and that now I have a short payment again. I have requested that they pull the phone recordings to prove that it was not my fault and that their customer service confirmed the information. In the meantime they are refusing to complete the cancelation of my escrow because I have a late payment.

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
To whom this may concern, In 2012 I believe I XXXX Discover card was placed in my name. I have working to get this off my credit for a while. I would receive calls and bills regarding this card but never knowing where it came from. I also tried to pay on it since the bill came in the mail, but it kept being used over and over again. I want this card off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Had a home in another state while in XXXX, took care of it when got XXXX ( sold it ) however XXXX XXXX turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX To CFPB, My name is XXXX XXXX and I have a mortgage account with Chase, though Chase was not my initial mortgage holder. My original mortgage has been sold off twice, before ending up with Chase. On XX/XX/XXXX I notified Chase Mortgage Escrow Department ( by letter ) that on XXXX XXXX, XXXX I switched homeowner 's insurance coverage from XXXX XXXX to XXXX at considerable savings. My previous annual homeowners insurance with XXXX XXXX was {$2200.00} ( was cancelled XXXX XXXX, XXXX ) and my new homeowners insurance coverage started same day with XXXX insurance at {$1500.00} annually. That's a {$690.00} difference/reduction in annual homeowner 's cost, thus a {$690.00} reduction in escrow charges over a year 's time. 

In response to my XX/XX/XXXX, letter to Chase, I received a letter back from Chase ( on XX/XX/XXXX ) saying Chase mortgage company would do an escrow analysis of my account effective with my XX/XX/XXXX. It is now XX/XX/XXXX and I have the following COMPLAINTS against Chase. 

In my XX/XX/XXXX Chase mortgage statement the bank only dropped my overall monthly mortgage payment {$14.00}. From {$3000.00} in XXXX to {$3000.00} which is a " gross '' miscalculation. Due to the fact that my overall mortgage payment should be dropped to {$57.00} monthly or {$690.00} annually due to lower escrow charges/homeowners insurance reduction. 

A phone call to Chase escrow department on XX/XX/XXXX did nothing to correct their mortgage billing error and furthermore leads me to believe Chase is " intentionally '' overcharging unnecessary principal, interest and escrow fees to inflate their total monthly charge. Since day one of my mortgage I've paid all monthly bills on time. Never missed a payment. Since day one of my mortgage has had a locked in " mortgage rate ''. And since Chase has taken over my mortgage my " real property taxes have dropped significantly from XXXX to XXXX. Furthermore my " real property taxes '' will not be reviewed again until XXXX. 

Chase has no right to reduce my monthly mortgage payment by only {$14.00} a month or {$170.00} annually when they were notified by XXXX that my homeowners insurance dropped {$57.00} month or {$690.00} annually in XXXX of this year. Furthermore Chase has not offered me a " refund check '' for over billing me the last six months, once they were notified by mail of my XXXX homeowner 's reduction cost. 

So going forward I request CFPB bring this " escrow over billing charge '' to Chase attention and do everything in your power to correct this matter. Big banks do not have the right to over charge mortgage holders, especially those who make timely payments and give proper notice when there is close to {$700.00} reduction in homeowners 's costs from year to year. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Consumer 's Original Complaint : Started to book on line, decided to cancel, when I clicked the cancell screen went blank, phoned immediately told " nothing we can do '' billed me {$4200.00} On XX/XX/XXXX I went on XXXX XXXX site to book tickets to XXXX. Site gave a price of {$2800.00} so I input my information including credit card info. Then site added another {$1300.00} which was not acceptable so I clicked cancel, but the screen went black. I phone the company but was told there was nothing they could do. Called my credit card company who would not remove the charges because I had no invoice. I never received any tickets, invoice or anything. Obviously, I did not take the flight. Neither XXXX nor my credit card will remove the charges - I never authorized or finalized the transaction and have gotten nothing other than being billed. I want a full credit returned to my credit card and also credit for interest and fees since the charge. 

Consumer 's Desired Resolution : I want a credit of {$4100.00} and the interest that has been added to my credit card balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TX

Complaint narrative:
I sent several letters via certified mail dating from XX/XX/2019 -XX/XX/2019 to Equifax to corrected erroneous information on my credit file. After they responded to me as verified, I exercised my rights under section 609. Equifax ignored my letter and responded again as verified. I believe that this agency is reporting information that can not be verified neither can I. I also asked for them to update my file with these items deleted and report to all credit bureaus of these erroneous items. Equifax failed to comply and disregarded my request for a credit report mailed to me after this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXXXX - OPENED XX/XX/2018 - {$600.00}

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 2019-08-12 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:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: Millco Management
State: FL

Complaint narrative:
AMERIFINANCIAL SOLUTIONS posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX  and XXXX  have both removed the collection from my credit report, but XXXX  is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation