vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
My social security number is being misused and sold on the black market by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX This has led to the misuses of my social security number and various accounts being opened in my name that were not authorized by me. These are the accounts on my credit that are invalid XXXX XXXX Opened XX/XX/XXXX for {$520.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX for {$300.00} These accounts are fraudulent and must be deleted

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had a XXXX XXXX credit card I got in 2014. I just did a settlement on this account and was told it would be deleted from my credit report. It is still showing up and its hurting my credit. I have sent numerous requests to have it removed and its still showing up. I would like this account removed immediately from my Credit report and sent an updated copy of my report when item has been 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 2019-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

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 2019-04-17 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: GA

Complaint narrative:
Inaccurate reporting. XXXX Account is listed as a charge-off for both Equifax and XXXX, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander Consumer USA continues to report a closed tradeline past the FCRA reporting period. I've asked XXXX, XXXX and XXXX to remove this tradeline and have not been successful. The tradeline contains several 30, 60 day late payments and still negatively impacts my ability to get a good loan rate. This tradeline was with my ex and needs to be removed as it was opened/closed in late 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: GA

Complaint narrative:
Inaccurate reporting. XXXX Account is listed as a charge-off for both XXXX and Experian, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.

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 2019-04-17 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:
there are two inaccurate and fraud account reporting under my equifax credit bureaus, i have disputed several times and they are not helpful at all, they have been giving me attitude and not even disputing or disputing inaccurately, please help me in this situation. 
i will be attaching the documents that shows the account number and the creditors name as well as the account number. 
appreciate you consideration to help me in this situation thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital   billing to rectify this, I was informed that ER doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has been reporting a 30-day late payment on my credit report with XXXX, XXXX, and XXXX. The payment made on the account was kicked back from my bank due to my account information being compromised. By this situation, it caused the payment to be treated as a 30-day late. This situation was beyond my control and I've phoned, written and disputed the item every way possible with NFCU requesting a goodwill adjustment and was told no every single time. I've got perfect payment history on all tradelines in my name and this is hurting my ability to obtain good financing no matter what the request might be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
two XXXX XXXX XXXX, are reporting under my name, under my equifax credit reporting agency, which do not belong to me, i have tried to dispute with equifax but they have been unable to help me in this case. i have called the creditor they do not have my name in their data base, nothing under my name, i dont know how equifax is verifying these information, please help me to have equifax remove these inaccuracies, it is hurting my credit. they are not helpful they dont even dispute or if they do they not do it correctly. 
thank you for your help you are my last hope. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I opened a business gold credit card through American Express in the name of our business, XXXX XXXX XXXX. My husband is the primary for the businesses and all our banking so I listed him as the primary cardholder. We hold everything separately - house, bank accounts ( except one ), utilities, etc. I then ordered another card for me under the same account. I handle the book keeping and purchasing for everything, whether it is in my name or not. One day, I couldn't use my card. I called and found out that they had frozen our account and the reason I was given was that it was because I use my card more than my husband does. That is true. I explained our arrangement. The man said that I should use my husband 's card for purchases, which seems odd to me. I reminded him that I have paid off our balance every month. He said the only way to prevent it from being canceled was to fax them a bunch of financial information - all the same things that we had sent in when applying for the cards. So I told him that we had sent all that and he said we had to do it again and they " might '' let us keep our cards. I didn't send it. I don't want to do business with someone who treats customers that way. Then, they started calling to see when we were going to pay off the last charge, but they wouldn't speak to me - even though my husband had told them to because I handle all that. But they would still call every day and then not speak to me. We didn't deserve what happened. I have closed other AmEx accounts we had. And the continuing harassment is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
PREVIOUS COMPLAINT : XXXX SUBMITTED ON XX/XX/2019 Our present offer of a price at {$290000.00} that does not request seller concessions is beyond reasonable and shouldnt be declined when your own BPO value is less and values the property at {$280000.00}. CFPB has regulations in place to enforce servicers/investor to allow foreclosure alternatives such as short sale when a fair market value offer is presented. 

When we submitted the current buyers original offer of {$290000.00} which included a request for 3 % seller concessions ( closing costs ) and you said the 3 % they requested wouldnt be approval so in return they removed their closing costs request and because of that reduced the offer amount as they are not willing to pay so much above the market value when having to pay so much out of pocket in addition. 

I have attached the offer and supporting documents again to the reply. I ask that you PLEASE SUBMIT and encourage approval. Our present offer of a price at {$290000.00} that does not request seller concessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CO

Complaint narrative:
EquifaxisincorrectlyreportingmeasanAuthorizedUseronXXXXpartialaccountnumberXXXX.(Pleaseseepage7oftheattachedcreditreport.)IcalledXXXXXXXXandletthemknowthatIdidnotgivepermissiontobeaddedasanAuthorizedUsertothisaccount.TheyremovedmeasanAuthorizedUseronXXXXandXXXXhoweverEquifaxhasnotremovedthisfrommyreport.Ihavecontactedthebureautofixthisissue.Thisnegativereportingisharmingmycreditscore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
7 yrs ago I tried to apply for a loan modification to lower my 7 % rate. Wells Fargo ignored me. I hired an atty which one would not have to hire if dealing w/a reputable consumer-friendly bank. They stonewalled the atty, sent inappropriate form letters & told him I should have applied sooner. He told them I had. The fact that they only sent letters after his intervention proved you need an atty. They received interoffice emails from a XXXX banking officer throughout XX/XX/XXXX into XX/XX/XXXX. They have no knowledge of those contacts either ( definite pattern ). They foreclosed despite my filing XXXX XXXX ( 3rd attempt w/out prejudice ) & foreclosed. Based on their " promise to have an independent party investigate '' ( that would be the CFPB ) and the " creation of the Office of Ethics '', which was a total lie, and " commitment to make things right by appointing appropriate officials '' have all been denied by the customer service team who has no authority to settle this case.

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 2019-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an auto loan with Chase Auto Finance. 

Per their instructions, I sent a loan payoff check in the full amount ( approximately {$19000.00} ) to their loan payoff division. 

Chase received the check and confirmed it was in the correct amount. 

Chase cashed the check and only cashed it in the amount of {$190.00}, having left off a few digits. 

It's unclear if this is a mistake by Chase or by my bank, XXXX. 

Chase now wants me to send another {$19000.00} check with no gaurantee that my original check will not be cashed in the full amount as well and has told me I need to spend my time going to XXXX to figure out a problem that should be resolved between Chase and XXXX. 

Now, Chase is sending me letters and phone calls threatening to repossess my vehicle. 

I've wasted hours on the phone been put through a lot of stress around this issue and would expect Chase to resolve the issue by working with my bank directly rather than putting me in the middle of a problem that I did not create!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SecurityNational Mortgage Company
State: TX

Complaint narrative:
Me and my wife ( XXXX & XXXX XXXX ) Have been working with XXXX for a few years getting corrected to get a loan. XXXX told us to mean times sitting down with XXXX XXXX and XXXX XXXX and XXXX XXXX we can get financing with him and don't go anywhere else. I did everything That he asked me to do. the loan would be under my wife 's name, she had at the time between 690 & 700 then he and the mortgage said her income is good and we qualify on Statement Loan. At closing, we told we qualify at {$840000.00} and we owed on the at the time {$710000.00} and give {$59000.00} and get into and installment agreement on the balance We then got a subordination letter we could cost with that. Weeks go by then I see new disclosures at {$770000.00} and he told me we had to come up with the {$59000.00} ( what the mortgage said ) XXXX help me get a subordination. then XXXX said we have to come up with the XXXX or get them to let you close with zero at closing and we can do the loan. I got XXXX XXXX and he did the subordination letter XXXX at to the IRS.

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 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
My loan was recently transferred to flagstar bank, I paid my XXXX payment, and clicked the enrolled in autopay button. After clicking the button, I received this message : AutoPay will be available when your next payment due date is after today 's date. 

I got a text this month after the payment late fee date that I did not pay on time and received a late fee. When I called and contacted the bank, and let them know Autopay should be setup, they said it wasn't. I shared my screen with them, and they said you didn't enroll in Autopay, even though the message above was flashed. My bank account information is store, so Autopay was enacted. They received to current their late fee or make any attempt and helping a loan which was involuntarily transferred to them, even though my efforts and understanding was XXXX setup autopay. As a result, they refused to remove the {$84.00} late fee for their organization 's missleading website.

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 2019-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am trying to remove the insurance I pay for the lender on my home loan. 
Wells Fargo will not let me get a new appraisal on the house. 
The only one they will consider is the appraisal from the date of closing. 
I have had this loan for 6 years.

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 2019-04-17 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:
A dispute was filed with XXXX, Equifax and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. XXXX and Equifax have not removed the fraudulent information. XXXX XXXX XXXX sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged 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 2019-04-17 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX

Company response to consumer: Closed with non-monetary relief