vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX from XXXX XXXX was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Utah System of Higher Education
State: NY

Complaint narrative:
In 2019 I made many attempts to remove this debt off my credit file. The company has marked it charged off. The account still remains on my file. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is in reply to Citicard letter dated XX/XX/XXXX in connection with CFPB XXXX. 



YOUR COMPLAINT On statement for billing period XXXX XX/XX/XXXX I had an opening credit balance of {$71.00} On XX/XX/XXXX XXXX billed this account {$340.00} I had disputed this charge with XXXX since XX/XX/XXXX. On XX/XX/XXXX XXXX issued a credit to this account of {$340.00} finally resolving dispute in my favor. See attached letter from Citicard that reund of {$340.00} was resolved on XX/XX/XXXX and Citicard wrote " During our investigation, the amount of your dispute was temporarily suspended from the amount you owed and did not accrue any fees or interest 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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i'm behind on my payment and from XX/XX/2020 to the time i filled this out ( XX/XX/2020 XXXX ) I have received about 29 calls with 3 of them calls on sundays, i feel i'm being stalked and harassed. I feel CAPITALONE is not following law put into place to stop this type of mental terrorism to consumers. They should be fined or other steps should be taking to limt them them to 1 call every 90 days or fined XXXX per call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Please see Current open case # XXXX XXXX Loan update XXXX XXXX XXXX, XXXX The loan application origination date of XX/XX/2019 continues with mistakes and delays. Im really not sure why I continue to remain with only a loan processor when we are approaching the 90th day of the application. 

Most recent item of delay is : I received an incorrect and out of date Appraisal for my refinance and given a value of my property substantially less than its value and then was told I would not qualify for the original loan rate I was approved for. I was even sent the incorrect Appraisal referencing another lender and different owners, I had to send this incorrect copy back to XXXX XXXX in order for them to take my word that the appraisal they have on file is incorrect. I believe at this point a Supervisor should be involved in this loan by now, although I am still at the beginning stages with a loan process ( not even a loan processor leader ). 

Could I have some assistance with this matter? I continue to receive additional delays and am still currently awaiting the correct appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: PA

Complaint narrative:
Transunion credit report dated XX/XX/2019 shows page 10 of 11 under Supplemental Consumer Credit Information Auto Finance Inquiries last 3 months 2 I have not applied or sign nothing for no car loan or lease or any thing related to a car. 
Under Auto Finance Inquiries in the last 6 months & 9 months I have not applied for no car loan or lease with no bank or car dealership as stated on page 10 of 11 XX/XX/2019 credit report.I would also like the documents showing for what ever inquiries to such was made and by who and the credit application as well the dealer and proof of the transactions as stated on page 10 of 11 Transunion credit report.

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 2020-01-28 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: AR

Complaint narrative:
I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had placed a credit freeze with Equifax in XX/XX/2017. I wanted to remove this freeze temporarily to apply for a car loan. Their website and phone service both refused to identify me. When I finally talked to an agent, they wanted me to MAIL in multiple documents - drivers license copy and SSN card copy. By this time, it would be too late to purchase the car I wanted to buy. Equifax could give me no reason for this other than 'it is their policy '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reviewed Experian credit report ; Informatioin for XXXX XXXX   XXXX ( aka XXXX  XXXX XXXX XXXX ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XXXX, I submitted a dispute through Experian. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.

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 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was sick on XX/XX/XXXX and never left my house for 5 days when I saw MANY false charges on chase i knew they were false and called right away charges totaled XXXX and chase denied the claims for no good reason someone stole my credit card, chase said that because this person knew my pin number that chase has NO liability they changed the rules of my account and were somehow allowed to take out XXXX in one day from ATMs when my limit is XXXX my chase debit card was noticed stolen on or around XX/XX/XXXX I called right away they reversed the charges temporaily and have since denied ALL of my claims XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN INFORMATION SOLUTIONS INC . 

On XX/XX/2019 I retrieved a copy of my Credit Report. I noticed a collection account being INACCURATLEY inserted by XXXX XXXX XXXX  account number XXXX   on behalf of Creditior XXXX XXXX XXXX MD. 
This account has been PAID IN FULL which means that you are in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has provided me with a letter on company letter head verifying that the account has been PAID IN FULL that will be provided with this complaint. 
Not only are you in violation of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has incorrect account status information and field 21 is MISSTATING BALANCE INFORMATION due to the fact that the account is PAID IN FULL. 
EXPERIAN. Delete this incorrect and inaccurate account immediately and update your files. As you are well aware it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. EXPERIAN. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.

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 2020-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo my mortgage servicer is giving me a difficult time with my request for mortgage modification. Wells Fargo representative persuaded me to sign a equity line of credit instead of a 30 year mortgage. I have requested mortgage assistance because of a hardship but they have set several foreclosure sales dates and refuse to work with me.

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 2020-01-28 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: AR

Complaint narrative:
I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: AR

Complaint narrative:
I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Bk XXXX  page 45-53 I filed in the Reg of Deeds ( XXXX County, MA ) is my Homestead dated XX/XX/XXXX and on XXXX book XXXX page 304 to protect me against wrongful foreclosure/liens is on record. I recorded this as a XXXX person and attached in this record is my Social Security statement to prove XXXX. I am now XXXX yrs old. 

TODAY- JP Morgan Chase Bank , NA has filed a New " assignment of mortgage '' as copied/pasted here from the website : XXXX XXXX XXXX JPMORGAN CHASE BANK N A XXXX bk XXXX  page 119 ASST XX/XX/XXXX XXXX XXXX XXXX XXXX I believe this Bank is trying to wrongfully foreclose on my home for this Line Of Credit. 
please see attached for my protections/rights as a XXXX person now age XXXX. 

Also! it appears that this HELOC " account '' has gone from : Chase, Mail Code XXXX, XXXX XXXX XXXX, XXXX, LA XXXX to listed on the NEW assignment JP Morgan Chase Bank, NA I have never received any communication of this action also.What is this " Bank '' trying to pull???? More fraud???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: AR

Complaint narrative:
I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I rented a car through XXXX in Hawaii from XX/XX/XXXX to XX/XX/2019. On XX/XX/XXXX, the vehicle I rented was involved in a minor accident. When booking the car, I read the Bank of America website to determine if I needed to purchase additional insurance from XXXX. The Bank of America website lead me to believe that I was covered. When I attempted to file a claim with Bank of America, I was told that my claim was rejected because I had rented the car for 17 days. I was told that insurance through Bank of America was limited to rental agreements of no more than 15 days. Nothing on the Bank of America website mentioned a limit of duration for the free insurance provided by Bank of America. On the contrary, the Bank of America website encouraged me to decline additional coverage from the rental agency. Please see the attached page from Bank of America 's 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 2020-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Priority Account in XX/XX/2019 after seeing an advertisement that stated a {$700.00} bonus if you opened a savings account along with a checking account in the amount of {$50000.00} and left it in the account for the duration of the promotion. I spoke with a bank representative named XXXX at the XXXX Calif. branch and he assured me that the promotion was in fact as specified in the advertisement. After meeting the qualifications for the {$700.00} bonus Citi credited my account only {$600.00}. I tried reaching out to XXXX at the branch to see why I only received {$600.00} instead of the {$700.00} that was what we had discussed when opening the account but he would not return my call. I reached out to other representatives at other branches who said they would help but never heard back from them. At no time did I receive or even seen an advertisement that stated a Citi Priority bonus of {$600.00} instead of {$700.00}. I am still seeing and have a picture on my phone that states a Priority account bonus of {$700.00}. Where did my {$100.00} go?

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 monetary relief
Consumer complaint received 2020-01-28 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX INC. 

On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX MD. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
EQUIFAX. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
EQUIFAX. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APPLE RECOVERY, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received an email message from XXXX, XXXX with the subject line of " Pre-Legal Account Notification ''. The email was in reference to a debt that had already been settled and paid in XX/XX/XXXX. The email stated that I owed {$5800.00} on a repossessed XXXX XXXX XXXX. This debt was paid by a check from my bank on XX/XX/XXXX in the agreeded upon settlement amount of {$4800.00} to Apple Recovery LLC. The same day I received a text message from XXXX XXXX stating that they had purchased my debt from XXXX XXXX XXXX  and included a file number. I replied " STOP '' to prevent further text messages.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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