vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  I don t owe   XXXX    XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY mo ney??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

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 2017-05-07 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: NY

Complaint narrative:
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 2017-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 and   XXXX  still showing in my credit report    XXXX   ac count late, I only hav e  XXXX  new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send  XXXX  a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks

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 2017-05-07 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:
I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 an d Experian still showing in my credit report   XXXX   account late, I only hav e   XXXX   new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks

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 2017-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have a collection account from convergent saying that I owe  XXXX . I have never had an account 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 explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company is reporting a collection on my credit reports that I have no knowledge of and they have n't provided me any information to what it 's in regards to. I sent them a debt validation letter once I noticed the collection on my reports and have yet to receive any correspondence from them, including the certified mail return receipt. I know my rights as a consumer and they have broken laws that are under the FDCPA, and I wo n't hesitate to pursue litigation against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX  XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Before I met and married my husband in  XXXX . He had a reserve line with UsBank. When he passed away   XXXX   XXXX   I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.

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 2017-05-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In    2016 I  received several invitations via   XXXX   XXXX    and email to apply for a  Citibank AAdvantage  Platinum credit card. The invitations were address ed specifically to me and listed my current AA miles and what my mileage would be if I fulfilled the spending requirement. I was urged to apply before  XXXX  o f 2016. I called  the number on the invitation, informed the agent that I had previously held a  Citibank AAdvantage  card, and asked if I would qualify for the promotion - and I WAS TOLD YES. I applied in  XXXX , fulfilled the spending requirement and paid my bills in full and on time. When the miles did not appear in my account I began making inquiries via fax and phone.   Many phone calls and many hours later I have been informed that ( unfortunately, sorry for any inconvenience ) because I had closed an account within the past 2 years I would not get the bonus miles AS PROMISED. I am not debating the " fine print ''. I was not sure when I had last possessed a  CITIbank  AAdvantage card. Thats why I called and asked. I relied on their response when I decided to apply for this card.     I feel I was both targeted and lied to.       1. I was baited into applying for this card and making charges to fulfill a fraudulent offer.
2  . Instead of awarding bonus miles, the timing of this offer actually PREVENTS me from earning bonus miles .... If I had waited 6 months more to apply I would have been past the 2 year window allowing me to re-apply for card and earn bonus miles in  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 2017-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I 'm the victim of identity fraud. Since  XXXX   XXXX  ( and prior to that  XXXX  of  XXXX  ) I have been battling to have the   XXXX   XXXX   charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who  the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under  XXXX   XXXX . I would never open an account under a nickname and I 've never had   XXXX   as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the  XXXX . Interestingly, only the reports pulled by the mortgage company show these scores.  XXXX   XXXX  still has me in the  XXXX  range where I 've been all my life. PLEASE fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.

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 2017-05-07 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:
On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  XXXX  is reporting. In particular I challenged t he Open Date  of    XXXX   XXXX   XXXX   as I  believe that the last payment was made in mid  XX/XX/XXXX certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation.      I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On     XXXX   XXXX   , I se nt another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  XXXX  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.

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 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with these credit reporting companies 7 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX  and Experian demanding for the rightful deletion by law. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  because it was deemed fraudulent. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports cerifying ID Theft and specific account in question that SHOULD NOT be reporting in   XXXX   and Experian.     I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.

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 2017-05-07 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help 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 2017-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AL

Complaint narrative:
On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I lost my home to wrong doing foreclosure now want to submit a claim for settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation