vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: IL

Complaint narrative:
This item was opened fraudulently using my information on XXXX/XXXX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my 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 2020-07-07 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: IL

Complaint narrative:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: IL

Complaint narrative:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Overdraft charges
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Bank Account and XXXX Account with thousands of dollars in them : both are compromised at this time. ***On the yearly basis it has rendered me XXXX. 
XXXX XXXX  as well : however I have a case pending with XXXX XXXX   because of out of state purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I obtained two loans through Santander. I was told they would lower the rate after on time payments. They charged me 22 %. 
I have made roughly 23 payments totaling {$15000.00} and I owe almost as much as I borrowed originally after 23 payments. This predatory lending. 
I have called and requested supervisors and spoke to XXXX XXXX. She would not reduce the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On Friday, XX/XX/2020, my husband and I went to the JP Morgan/Chase branch in XXXX, SC. We went for the purpose of having an insurance check endorsed by JP Morgan ( our mortgage holder ) so that we could give that check to a roofer. We were told by an employee ( I believe her name is XXXX XXXX. When I asked for her name she would only say " XXXX  '' ) that the bank would not endorse the check until both my husband and myself had endorsed it. I explained repeatedly that I was uncomfortable driving around with a fully-endorsed check over $ 4k and that I did not believe that was the policy. The lady insisted that we sign first or she would not have the check endorsed by the bank. We signed. When we left the branch office, I immediately called the 800-number for Chase/JP Morgan. After a very long conversation and hold time, I was informed that Chase/JP Morgan did NOT have any such policy. I was asked what I wanted to see happen and at that time I merely wanted an apology from Ms. " XXXX '' and to ensure the employees were informed that was not the policy so that nobody else was put in such an uncomfortable position. I was told that they would reach out to the branch office and be right back. I was placed on hold for approximately 15 more minutes, then sent to a voicemail. This was a blatant misrepresentation by a bank employee to their customer and a misuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XX/XX/XXXX XX/XX/XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
Caliber home loans is charging me a fee of {$5.00} every time my current refinancing company is requesting information about my mortgage to them to be sent over via fax. Not needed to say but I always paid on time and had automatic deductions. This practice should be illegal, we are in 2020 people and these type of fees are ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

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 2020-07-07 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-07-07 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-07-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$84.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from National Credit Adjust. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After reviewing a credit alert on XX/XX/20, I noticed that my credit score had dropped due to my credit limit on my chase card being lowered. I had no knowledge of this being done. I called chase and they informed me that they had notified me however i never recieved any information from them. I contacted them and they advised me that the only way to revert my credit limit back to what it was would be to do a credit check which also would have a negative impact on my credit as well. I would like my credit limit restored to what it was prior to them lowering it without my knowledge which has a negative impact on my credit score. I actually believe that they lowered my credit score due to them purchasing my home mortgage from my loan originator and thus now having that loan on their books.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
Equifax is reporting a late payment for my XXXX  XXXX  despite XXXX contacting Equifax directly and asking for the late payment information to be removed. Equifax is the only credit reporting agency doing this. I have repeatedly tried to follow the Equifax dispute process without success. Equifax refuses to contact me or explain the rational for reporting inaccurate XXXX  XXXX information. Equifax insists that I follow the dispute process again. I believe Equifax knows that I can not qualify for a mortgage with a dispute or a late payment on my Equifax report so they have placed me in purgatory with no way to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
There was an unauthorized transaction from my paypal account. 
Transaction ID XXXX amount is {$1000.00} I claimed the fraud activity and reported this to paypal yesterday but it was still authorized by paypal. And paypal is not letting me to reopen the case again. 

I live in USA, I have never been to XXXX and I don't have any affiliation with the company the transaction went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is not reporting bad accounts correctly or removing accounts that do not belong to 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 2020-07-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This card belonged to my now ex husband. I agreed to settle in full to get it off of my credit report. I then paid them the amount after I requested it to be removed from my credit report, they refused after taking my payment. 

I am trying to buy a house, and this debt want even mine! Then, last month ( almost three years after I paid them ) they went and added a bunch of late payments, dragging my credit score even further down. 

I want this trade line deleted please, I can not buy a home with it on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I signed up for a Discover card specifically for their balance transfer promotion ( it was in fact part of the application and the credit amount extended was the same amount as the balance transfer amount ). 

My application was approved and the account was opened on XX/XX/XXXX. However, Discover failed to process this promotion due to an identity verification that took over three months to complete. I did my part at every step and called Discover every couple of weeks to find out why they hadn't done their part. Each time I was assured that it would be processed as soon as possible so I could complete my balance transfer. 

They finally processed the card yesterday ( XX/XX/XXXX ), but are no unwilling to honor the promotion for which they specifically signed me up for. Now, due to how this card was marketed, I am stuck with a Discover card that doesn't do what it was promised to do in exchange for me opening a new account. I am also now unable to cancel the card without the penalty it would cause with my credit score.

I called Discover and spoke with two supervisors who tried to override the block because they agreed this wasn't right. Unfortunately, their " system wouldn't allow '' them to honor this promotion because it had expired. 

This amounts to fraud on Dicover 's part. I registered for their credit card based on a promise they made and it was unfulfilled. 

Attached are emails showing the date the card was approved, my second request to do the balance transfer ( first was with the application itself ), and the third email shows the date they finally activated the card ( three months after opening the account! ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I settled 2 student loan accounts with Wells Fargo in XXXX. During the negotiation process I was told my credit reports would be updated 15 days after payment was received to show the accounts were settled and closed. Wells Fargo received the settlement payments on XX/XX/2020. I contacted them on XX/XX/2020 to confirm when they received payment and was told at that time my credit reports would be updated within 30 days from receipt of payment to reflect the settlement payments. I let the representative know I had been told 15 days but they told me I was informed incorrectly. Once 30 days passed I checked my credit reports multiple times to confirm that they were updated to reflect the settlement payments but Wells Fargo has made no updates. I called Wells Fargo on XX/XX/2020 to inquire when the reports would be updated and the representative told me I needed to wait. I informed her I had been told the credit reports would be updated within 30 days and she said maybe it would be done in 60 days and to check back later. She could not confirm if and when the updates to my credit report would be made only that I needed to wait.

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 2020-07-07 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: LA

Complaint narrative:
I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of  every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the 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 2020-07-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXX   XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} AEA FCU XXXX {$2000.00}

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