vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not very knowledgable on how credit agencies work. I am guaranteed a right to dispute inaccuracy and incorrect items. I did not know each disputenis a.hard inquiry. Why did the agencies not make this a important and visible detail? My equifax score took a 63 point dive today. I believe some of this is due to the disputes.I am trying to negotiate. I will start by asking my address history correctly reflect an 11 year occupancy at my current address. The remainder of addresses listed in my credit report are.inaccurate and I have not rented most of those locations, or recieved mail at those addresses. Additionally, the report discredits my 11 year positive rental history by listing random locations during my current tenancy, which begins XX/XX/2009. Prior to that, my address.on XXXX XXXX is not mentioned at all. Rental history is supposed to " fall off '' after 7 years, then what is this mess?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I received 2 letters from Chase Card Services saying they closed my credit card accounts. For both accounts Chase pointed out the reasons as : 1 ) TOO MANY ACCOUNTS OPENED RECENTLY 2 ) NOT ENOUGH CREDIT INFORMATION ON FILE However, 1 ) The 2 accounts with Chase is exactly the most recent accounts I opened. I have not opened any other accounts after Chase approved these 2 accounts. 
2 ) My credit report has no change compared to at the time Chase approved these 2 accounts, except new on-time payments and XXXX XXXX reporting I was added as an authorized user. 

I called the number listed on the letter and asked for a review. A representative called me back today. I believe the representative already has his/her mind set and was looking for an excuse instead of doing the review : 1 ) The representative pointed at an account I opened in prior to the 2 accounts with Chase and said that was the " recent account ''. 
2 ) The representative said they keep monitoring my credit information and there were changes in my credit report, despite the reason given to me was " no enough credit information ''. 
I feel the representative is also unprofessional and unfamiliar with their policy - I asked about redeeming my rewards points and the representative said that I can not redeem them anymore, despite the letter said I have 30 days to redeem rewards points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a debt collection from 2013 They call me to pay it off so the can remove it from my credit score i did pay them and the amount still show up on my credit and they didnt remove it

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 2020-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a response I was not eligible for the Dodd Frank Certification ( Frank Dodd ). Equity I'm uploading the letters that show  proof I was eligible. 
Representative XXXX XXXX - Contact # XXXX I still have not received the credit. WellsFargo is not reviewing the information, if they did, I would not have to state the issue is still unresolved. 

I would suggest that they look at my file & what was being offered to customers during the time period.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/20 I submitted a request for a copy of my consumer report via online instructions per Lexis nexus. However as of XX/XX/20 I hadnt received it. On XX/XX/20 spoke with a representative over the phone and requested a computer of my consumer report. As of of XX/XX/20, I still have not received it. On XX/XX/20, I spoke with a supervisor asking why will they not send me my report, she stated that the didnt not see a request in the system. She placed another order. On that same day, XX/XX/20, I also requested my CA residence security rights. I received that and its dated for XX/XX/20 but I still have not received my consumer report. I am despairing incorrect information on my credit report that the CRAs are saying is provided by Lexis Nexus but every time I call they say that the information that the CRAs is saying is verified by LN and is on my credit report is not on my file. I repeatedly ask for copys of my file and proof so that it can be corrected and submitted. However, I never receive it and my information is confirmed and verified every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
I went to their web NCTUE to freeze my utility credit report, I went through the whole process, I froze my credit report, and their web site did not provide me with the pin number that allows me to unfreeze or refreeze my credit report. 
I talked to one of the representatives after this failed, by phone, and she gave me instructions that I needed to mail in a copy of my social security card and drivers license along with my contact information, requesting that they send me my pin number by USPS mail. 
I sent the information in as well as applied tracking at the post office to confirm that they received my request, I checked several days later on the USPS website I received confirmation from the USPS website that my letter was received by NCTUE. That was on XX/XX/2020, since I haven't received the pin number requested via USPS mail and can not reach them by phone I'm making a complaint. 
It's impossible to reach to reach a human being, that their phone tree is convoluted, and ultimately hangs up on you instead of connecting you to a person who can help or provide the needed information. 
As of XX/XX/2020, The company in question responded to my first complaint from CFPB. They claimed they were going to send the requested pin number via USPS but sent the information to the wrong address and person. They can't seem to handle the most basic of requests. I feel like my credit information is being held captive. Their customer support personal ask the most vague, broad, convoluted questions, in an attempt to verify your identity over the phone, that no one would know the answer to. It is an exercise in the absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
On XX/XX/2020 Experian reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

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 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX  to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX  and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC  mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

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 2020-03-07 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:
On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
Experian  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.

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 2020-03-07 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:
XXXX  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.

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 2020-03-07 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:
XXXX  is reporting a XXXXXXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
Experian is reporting XXXX as a collection and as an account that was bought by a third party. Not only is Experian reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

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 2020-03-07 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:
XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

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 2020-03-07 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:
XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX  reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report.  XXXX also has no record on file for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 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: LA

Complaint narrative:
This company refuses to take this off my credit report. They have violated the FCRA multiple time, and this debt is pass the statue of limitation. They are put you on hold for over 50 mins.

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 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
The billing address is incorrect on the billing statement I never stay at the address shown on the bill the account is not mines. I never received notice of any bill due for any service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to remove a fraudulent account from my credit report. They are claiming that they verified this fraudulent account. I have asked Experian to send me any contract bearing my signature between myself and this fraudulent company ( XXXX XXXX ) and they have failed to do so. When I asked how this is verified they said they call the company and that is it! I am outraged, that this is what they call verified. I have excellent credit, and to now have my credit tarnished with this fraudulent account, it is unacceptable! I have now filed a police report against ( XXXX XXXX, and Experian ). I will be pursuing this matter it in civil court. This open collection is for XXXX dollars. Date : 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 non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Paid settlement as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
I have been trying to get this horrible company to remove this erroneous collection from my credit profile for over a year. They claim I owe {$760.00} to XXXX XXXX XXXX. This is a lie. The company responds to CFPB stating that they respond directly to me. They only respond with my original lease agreement. There is NO PROOF that I did not fulfill my contractual obligation, in which I did! 

In case the company CLAIMS they can't identify me again : My name is XXXX XXXX XXXX. Last 4 of my social is XXXX. File # XXXX

Company response to consumer: Closed with explanation