vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX SHOWS ACCOUNT OPEN {$47000.00} Opened XX/XX/XXXX Deed surrendered in Leu of foreclosure XXXX  account closed. 

The account is not opened. It is and has been closed. It did not show up on my recent mortgage application/and home purchase XX/XX/XXXX. 
. 

This did show up last month when I tried to get store credit for furniture shopping. I was denied for this reason. I disputed with Experian, they removed it then put out back. Please help resolve this improper credit reporting. Thank you. 

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 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

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 2018-03-03 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: IL

Complaint narrative:
I have sent in a copy of my ID with the correct mailing address to XXXX, Equifax and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on Transunion, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and transunion. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally 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 2018-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: CA

Complaint narrative:
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX ), those accounts have been listed like that on Experian for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX  & XXXX ). Despite my several attempts to correct these issues with Experian, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.

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 2018-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I had filed a written dispute againist the XXXX XXXX XXXX which has a negative remark on my credit in the amonut of {$360.00}. 
Along with this written dispute I also mail out the same copies to all 3 credit bureaus. I have yet to receive proof nor evidence that I m the owner of this debt and the 3 bureau 's have still let this remain on my credit. I had went to visited the last known address that I knew of the original creditor and they are under new management, and had no such evidence that I ever owed them any money. I then went to call the 2nd party debt collector on XX/XX/XXXX, National Credit, and they stated to me that they had no way of contacting the original creditors. I then ask who can I speak with to resolve this issue they stated to me that I had to proof that I didn't owe the debt. At this point I feel that this is not fair to me to have to pay {$360.00} for something that I don't owe. 


Along I will provide evidence that I don't owe any debts. 
Pay close attention to the dates please. 
Every signature is indeed my actual signature, all the places that my signature is the only documents that I have ever acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.

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 2018-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I do not like the default manner in which my over-payments to my student loan serviced by Navient are allocated and instead desire that they apply over-payments to the highest interest rate account. 

Navient allows you to do this but you have to jump through hoops to do so. I would need to send a separate payment with a letter telling them what account to apply the payment to. I pay my loans using my Bank 's online bill pay which does not allow you to send custom letters along with your payment. 

On about XX/XX/XXXX I sent an inquiry to Navient 's customer service asking how I could implement a directive that they credit all over payments to a particular loan. On XX/XX/XXXX they responded that I would have to submit direction with each payment. 

I feel that it is absolutely ridiculous that I have to go to this effort every month of providing a separate payment and two writing a letter just to get them to do something that I intend to do until the account is closed. This is a federal student loan and I feel that this is nothing but taking advantage of people who utilized a federal program and have no choice in who services their loan in order to maximize the amount of interest that they collect. 

This is in addition to a host of other annoyances with their website and how they operate that make it difficult to work with them and nearly impossible to get any help short of sending a message which they will reply to without offering any method of responding to the reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about this issue.

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 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported. 

I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.

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 2018-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I WAS BANKING WITH XXXX XXXX XXXX XXXX, XXXX, ON THE SAME BLOCK I LIVE ON. BUT SERVICE WAS SLOPPY AND AT OTHER BRANCHES THE CASH COUNTING MACHINE WAS UNPLUGGED AND IN BACK AT THE XXXX BRANCH. 

I RECEIVED A {$300.00} OFFER TO BRING MY CHECKING AND SAVINGS ACCOUNTS TO CHASE, IN XXXX, CA. 
I WENT TO THE BANK AND A YOUNG TALL XXXX MAN SIGNED ME UP. HE FORGOT TO TRANSFER MY ACCOUNTS FROM XXXX XXXX XXXX XXXX, SO I HAD TO ASK THE CHASE BANK OFFICERS FOR DAYS AFTER. 

AFTER MONTHS, I ASKED IF THE {$300.00} WAS EVER CREDITED TO MY ACCOUNT. I WAS TOLD ONLY {$200.00} WAS CREDITED. 
THIS FRAUD IS UNACCEPTABLE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03 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: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, Coinbase has locked our account since XX/XX/2017. They had requested that I provide proof of residency documents, which were submitted right away. I have attempted multiple times to contact them and have been unsuccessful. They have been unresponsive to the support ticket and requests to get an update. I have money in my digital wallet with Coinbase and need them to restore my access. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: OK

Complaint narrative:
My checking account is attached to my XXXX account. My XXXX account was hacked and there was a XXXX charge made in XX/XX/2017. This caused me to have 5 overdraft fees. I notified Chase and they reversed the fraudulent charge. They sent me a letter 2 weeks later saying that they were taking my reversal back and adding the charge back to my account. This is unfair and I need help getting Chase to reverse the charge to my account that I didnt authorize and give me my XXXX plus the XXXX insufficient fee funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit report shows that I am an owner of a XXXX XXXX account which has been delinquent and now charged off. This is not my account and has nothing to do with me. This is my sons account. My son is XXXX years old and I am not responsible for his debts in any way. 

I wrote to the owner of the account, XXXX XXXX, in XX/XX/2016 and told them I was not a co signer on this account and they wrote back and said they had no proof that I had ever opened an account with them. 

According to the Fair Credit Reporting Act, if the company can not present proof that I opened an account they must change their negative records and take me off the account. 

This mistake is hurting my good credit report and I need it changed asap.

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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, Capital One marked my credit card account as over 30 days delinquent -- due to a failure to pay the balance of {$230.00}. I was undergoing hardship and was simply unaware that I had incurred a balance at the time. Upon receiving notification of the delinquent status, I hastily paid the balance of {$230.00} on XX/XX/XXXX. Based on my long-standing history as a customer with Capital One ( XX/XX/XXXX ), I have in no other point of time been marked as late or delinquent -- in any line of credit. In addition, I have never maxed out or even come close to my credit limit ( {$500.00} ) as a customer with Capital One. I spoke with a supervisor within the company and they insisted that there was nothing that could be done to permit a goodwill removal of that late payment. After making 43 of 44 payments to Capital One on time, I believe as a loyal customer, I should be done a reasonable service and have this incidental delinquency forgiven from my credit report. It has been burdensome to my credit report and effectively -- my life, as I move through new phases. I hope you view my complaint justified ; attempting to negotiate with Capital One has been completely unreasonable. Thank you!

Company response to consumer: Closed with non-monetary relief