vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC  and to my local police department. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.

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 2019-08-03 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: GA

Complaint narrative:
I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX, equifax and XXXX  for the wrong information but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX XXXX  and experian for the wrong information but no response.

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 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out several times asking for proof of the actual debt and it only comes back that it was verified but they provide me with no physical proof. The item is reporting incorrectly and therefore is not reporting 100 % accurately and under the FCRA should be removed from my report. EX ) the payment history shows never late then jumps directly into collections. the account is showing as a closed account but is also showing as a collection and also has a monthly payment attached to it. All of these are reasons for it not reporting 100 % accurately and therefore should be removed. This information has greatly impacted my ability to obtain new credit and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
TWO WHOM IT MAY CONCERN I AM REPORTING J P MORGAN CHASE FOR DISCRIMINATION AND FOR CLOSING MY ACCOUNT DUE TO THE FACT OF THERE XXXX XXXX. AND THEY STILL OWE ME MONEY AND THEY KNOW IVE TALK TO THE COMPANY AND THEY WONT DO DO ANY THING ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I am doing all of this on my own.

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 2019-08-03 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the XXXX  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.

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 2019-08-03 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: AL

Complaint narrative:
XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and 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 2019-08-03 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: AL

Complaint narrative:
XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XXXX, 2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XXXX, 2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and Equifax!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
Re : Notice for Proof of Claim Account : McCarthy, Burgess & Wolff # XXXX To Whom it may Concern : This is a final notice and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX XXXX, XXXX that gave you the right to collect this debt Account No. :XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.

Complaint narrative:
citibank keeps sending me about my credit card limit and their promos..i applied a credit card last XX/XX/2018 but my card did not arrive.. when i checked the status of my card application.. it was approved and have a limit of XXXXphp..i contacted several times the company but they still keeps saying that my card will be redeliver.. as of now i have not received my card.. I'm afraid that my card will be use by someone else ... am i responsible for that? the company keeps saying that they will get in touch with me but i have not received any call from them..

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 2019-08-03 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/2019, I placed into dispute a {$90.00} charge on my Chase Bank credit card. 

On or around XX/XX/2019, Chase Bank re-billed this erroneous {$90.00} charge. 

I provided supporting documentation showing : 1. email confirmation from the merchant of the cancellation of the 2 items, and 2. chat transcript from the merchant confirming that a credit of {$90.00} was going back to my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent in several requests to remove the hard inquiries from my report do to the fact that I do not recognize them and have asked that either proof be provided or they should be removed. Under Section 604 of the FCRA they are in direct violation and therefore the inquiries should be removed.

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 2019-08-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested fraud alert be removed from my credit file so i can apply for credit, I was then told to submit documents and fraud alert removal form on Experian website and upload, the online system would not let me upload after numerous attempts.

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 2019-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I would like to dispute some inaccurate information entered on my credit report. On XX/XX/2019 my vehicle was repossessed with no fault on my end. I was never notified about the 2nd month late payment on my account. I would like to request for this notation on the repossession removed and excused from my credit history report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own.

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 2019-08-03 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.

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 2019-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MT

Complaint narrative:
My loan was sold from XXXX XXXX to Bayview when I got behind on my payment. XXXX XXXX told me they were selling it to another bank and did not explain why. When I asked they said banks do this all the time. Then I found out it was this predatory loan collection agency called Bayview Loan Services. Bayview has had my loan less than one month, already they have come up to my house repeatedly, at least 3 times by now, they have made phone calls, texts, and sent between 8-10 letters. They are acting in a predatory nature. I have a XXXX XXXX child in the home and I do not want strangers here. If I call in to tell them Im going to make a payment, they make me go through a long history of why I am behind on my loan. They use false kindness to get you to tell your story and then they pounce on that to use it against you They will not leave me alone even though I have made two payments since they had my loan. Theyve claimed I had payments still pending when the payment had been made over a week before. Theyve kept me on the phone for an hour trying to explain my situation, then wanting me to tell it again next time I called. They said they work for an investor not a bank, and when I asked who, they said XXXX XXXX and that I had signed paperwork saying they could come to my house after 45 days. Not true. A customer service rep told me to put my taxes through a website that wouldnt actually file them if a needed to. They are completely scammy and have people working for them who look and sound nice that try to gain false trust, and to get people to open their door. 
Bayview also seems use a certain type of person mainly woman to do this on purpose. I wouldnt be surprised if it was a specific business practice of theirs. They harass me almost on a daily basis ether by phone, at my door, or with letters. They say things like, we only want to help you, or, we need to make sure you hear your welcome information - these people need to be reigned in with some sort or regulation or fine because they are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
This was a small loan I took out in XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from Navient saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo intentionally and fraudulently puts my wife 's account into low account balance and once the account goes into negative, the bank would charge the account overdraft fees. This results in the bank charging the account hundreds of dollars in so-called and fraudulent overdraft fees. After meeting with a personal banker to discuss the matter, Mr. XXXX XXXX, he angrily subjected that the only solution is to file a complaint against the bank because " the bank has no reason to refund the charges.

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 2019-08-03 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: MO

Complaint narrative:
This was a small loan I took out in XX/XX/XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XX/XX/XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from XXXX saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid 1990s. Please 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 2019-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I disputed this company because there were discrepancies reporting on each of my credit reports. They have been reporting the incorrect information for years. Instead of deleting this from my credit report they updated the information. I was wronged by this company for falsely reporting and updating information when it was incorrect.

Company response to consumer: Closed with explanation