vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
Equifax continues to report fraudulently opened accounts on my consumer credit report. In addition Equifax has a fraudulent Date of Birth which was confirmed by their rep on the phone on my credit file. Equifax advised me they do not have to block this information as this time because they stated they don't have to. Which the law states If I provide proof I am a victim of Identity theft, and clearly advise of the crime I can request as a legal right to have the fraudulent accounts blocked in which Equifax refuses to do so. These accounts include XXXX XXXX XXXX XXXX XXXX for {$1800.00}, a XXXX XXXX XXXX XXXX loan for {$15000.00} Which again you need millitary membership for and I have never been affiliated with the military clearly not my account. This was opened with my stolen identity. There is a XXXX XXXX XXXX XXXX account that is fraudulent with a {$650.00} Balance. There are two XXXX XXXX XXXX cards which show a limit of {$25000.00} each again fraudulent, not only that XXXX XXXX told me that is not the limit on those fraudulent cards so not only is equifax reporting the information fraudulent they have inaccurate fraudulent information at that. So these accounts are opened with my stolen identity. Additionally, there is a XXXX Card which states closed by credit grantor with a limit of {$1100.00} which is not my card and was not authorized to be opened in my name. There is a account with XXXX XXXX XXXX XXXX which is fraudulent and was not authorized to be opened in my name again with my stolen Identity. Equifax refuses to block these fraudulent accounts and refuses to follow FCRA law 603 ( b ) they do not provide reasons for refusing to block these accounts besides advising me they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I've requested copies of statements from time my Slate account was opened until it was closed as well as account agreement pertaining to charging of interest and fees. I need these items mailed to me, Chase has replied prior and attached the items via file. These items need to be mailed to me, these are required for legal reasons. I am unable to print the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged for a service over the phone, i gave my debit card information to the clerk to charge me for {$290.00}. 

My bank statement shows I was charged {$2900.00}. They also said that I signed some contract which is a lie. I never did. 

After calling about the charge they said that someone would give me a call back in 24 hours. But in the morning I realized that they had blocked my number. 

This place is a scam. 

Merchant : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: MA

Complaint narrative:
Every day, I receive a call from XXXX, in which I do not pick up and this person leaves a message. It is a male, not a recorded voice and he sounds like he's talking in a call center ( i.e. background noise ). He has an American accent and voice is a deep tone. The voicemail is identical each day, never addresses any names, just says : " We have an important message from capital management services. This is a call from a debt collector. Please call XXXX. '' I have no debt, so know this to be a false call.

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 2019-04-25 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: CA

Complaint narrative:
XXXX XXXX provide me a letter for XXXX, XXXX and Equifax to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, XXXX  and Equifax not updating my credit report and scores.? 
Also for XXXX XXXX  XXXX # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 XXXX XXXX was called in by phone on each month of the XXXX to XXXX XXXX  XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on XXXX  and Equifax.It needs to be added to XXXX and Equifax immediately. 

I am XXXX, XXXX and a US XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, Equifax and XXXX  have a business partnership with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
XXXX  XXXX  provide me a letter for Experian, XXXX and XXXX to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is Experian, XXXX and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX XXXX # XXXX late payments is incorrect as evidence of my XXXX  checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX   XXXX XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on Experian and not on XXXX  and XXXX.It needs to be added to XXXX and XXXX   immediately. 

I am XXXX, Retired and a XXXX XXXX Honorable Military Veteran. 
Please support me on my XXXX XXXX Civil Rights under Department of Justice. 
Very Urgent Matters! 
Does Experian, XXXX and XXXX have a business partnership with 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 2019-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015

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 2019-04-25 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: CA

Complaint narrative:
six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only one who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: OH

Complaint narrative:
I'm in the market to purchase a home. 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. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX Inquiries-XXXX, XXXX  XXXX  XXXX, XXXX , XXXX-XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX/XXXX, XXXX   I, 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 non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
When making payments the mortgage company is holding the funds indefinitely before posting payment to account. Then they post the majority of the payment to interest

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only XXXX who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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:
Chase issued me a credit card that had a 0 % apr for balance transfers until XX/XX/2019, but a high interest rate ( 22.99 variable ) for purchases. I transferred a balance and paid the balance transfer fee. Then I used it for purchases and paid an amount to cover the purchases so I would not get interest. I also paid the minimum on the balance transfer. They took the money and applied it the lower apr and not the way I intended. They spread the money, some went towards the 0 % balance transfer minimum payment due, and some to the 0 % balance transfer amount and some went to part of the 22.99 % purchases. They tell me I can not tell them how to apply the money, even though I know the act says that money needs to go to the higher apr first. Basically, they said that the only way I can avoid paying interest on these purchases is to pay off the entire thing. I got card to take advantage of 0 % interest and they are flouting the regulations of the recent credit card act that says payments go to the higher % first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valentine and Kebartas, Inc.
State: SD

Complaint narrative:
Repeated calls, call my landline number, I say hello, there is no one there, I call back and I have to put the phone number in. I have spoken to a person after this, they are looking for someone who is not me. I have asked repeatedly to take my phone number off their lists, yet they keep calling. Examples of dates as follows : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX The company name is Valentine and Cabartis ( SP? ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: UT

Complaint narrative:
I am off of Probation and in good standing with UHEAA. I called and spoke with XXXX to see what I needed to do, going forward. She explained I needed to restate my payment plan and I advised her nothing has changed and I would like to keep the payment the same. She explained she would send me paper work I needed to fill out and return. I received the paper work filled it out and stated I would be doing the Standard repay - understanding that my payment would stay the same. A short while later I get a notice that my payment is late. And, then I get a second notice that my payment is late and I am thinking they didnt receive your payment. I called and spoke with XXXX, he stated that UHEEA received my payment XX/XX/2019. So, I asked whats the problem- he said my payment went up to approximately {$190.00} - I asked why and explained to him - when I spoke to XXXX that explained I want to keep my payment at {$110.00} and I filled out the paperwork she sent me and sent it went my check. So, how can I be late? He put my account into forbearance for two months, I dont want my account in forbearance - When I send my last payment I sent the Forbearance letter back to them stating take me off of Forbearance. I asked him other questions as well, regarding holding my tax refund - he told me I would have to speak with a my tax guy! I tried to explain my question two or three times - he still didnt understand. Also, when I call UHEEA for information about my account, I get a recording to put in my SS and birthday - I put the info in - also my info pops up on their screen so they already know who is calling - then when someone picks up - Im asked to verify my info again - if I dont give it to them they refuse to help me - I feel this is extremely excessive and borders on harassment - of course UHEEA will say they have to verify who they are speaking with - who in their right mind calls UHEEA just to chat? Really? When the reality is -I have received different info with every person I have spoken with - no one knows what they all doing - except to verify a person who is calling about their account? I have seriously wondered if they hire High School Students or if the people are XXXX XXXXXXXX and Im not kidding!!! - nothing is consistent and refusing to give me information about my account after being verified at least 3 times? Its absolutely a ridiculous and a waste of time for them and me. I called once and the recording says there are busy leaving your name and number and we will call you back - UHEEA never retuned my call - the people in this company are absolutely incompetent! And Im tired of it. I just want to be sure Im doing what I need to do and UHEEA makes it horribly difficult!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from Infinity of XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: FL

Complaint narrative:
This fraudulent address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, F

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My XXXX account was frozen today,XX/XX/XXXX, due to violations of XXXX service. The only transactions I made today are a funds transfer into my account in the amount of XXXX, a money transfer in the amount of XXXX to XXXX XXXX, this account is in the name of a friend 's father, the person requested to borrow XXXX dollars. Prior to this, a transaction in the amount of XXXX was sent to XXXX XXXX, another friend whom requested to borrow this amount.. I am not aware these transactions are a violation of XXXX terms of service, photo ID was requested which I emailed and the live chat did know anything about reason ( s ) for the freeze. The rep stated the issue was escalated and to wait 5-7 days for response. I request reasons for freeze and or it lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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:
This fraudulent account she showing up on my credit report XXXX {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have continuously submitted copies of consecutive documents to the lender but they keep on asking me for the same information over and over again. I have clarified everything in question and just feel like they are giving me the round around. They told me that I am getting removed soon because I have not provided the documents that they are asking for but I have and its not going anywhere.

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 2019-04-26 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: OH

Complaint narrative:
I'm in the market to purchase a home. 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. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX , XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, TRANS UNION XXXX XXXX, XXXX XXXXY 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 2019-04-26 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: OH

Complaint narrative:
I'm in the market to purchase a home. 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. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX. Inquiries-XXXX, XXXX XXXX XXXX, XXXX  , XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  , XXXX , XXXX , XXXX XXXX   XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation