vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I signed up to get my credit report through Equifax for {$1.00} for a 7 day trial because the application for a business loan required it before they would submit my loan request. I cancelled that service as soon as I got the report. Somehow, I was signed up on another account and was charged {$29.00} for another credit report, without even having an email address or password. The only information I found on this was on my computer the website credentials preserves my passwords with each website. They charged me {$29.00} for the month of XXXX in spite of the numerous cancellations that they should not have been charging me for I did not authorize this payment, I want this other account closed and I want a refund on the {$29.00} plus the service charges incurred by going over my credit limit because of this bogus account, {$38.00} for over the limit fee on my XXXX Credit Card, so that is {$67.00} Equifax owes me. Also because this transaction put me {$5.00} over the {$400.00} credit limit I lost 28 points on my credit score because of this too. What I want Is A refund, any account cancelled that Equifax has with my social security number on it and compensation for the charge fees on my credit card due to this bogus fee. I also want the 28 points lost from my credit score. I have documentation of the charge to my credit card and that this one transaction caused me to exceed my limit, thus incurring a service charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
Checkr has repeatedly reported that I was XXXX  and XXXX  of a crime. I was actually found not guilty and the case was sealed by the judge. The only permitted access to have knowledge of the XXXX and/or court proceedings, is only to be known by law independent snd no outside of government agency is allowed to possess, report, or give knowledge of any of the events of the case. 
They refuse to remove the XXXX information and have caused me financial and XXXX problems and had kept me from obtaining and remaining gainfully employed multiple times over the past several years. Snd they still refuse to remove the false and sealed files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
The apartment complex I lived in required that you pay in full your final rent before you move out, which I did. After I moved out a received an outrageous bill for cleaning of the apartment. I went back to the office to dispute the bill, the manager said that a billing error was not taking into account the last payment I had already made. She also said that there were damages ( we didnt get any proof as there were no damages to the apartment. The only damage that they could possibly claim occurred due to a leak in the plumbing ). Regardless I we wrote them a check for {$1700.00} after they determined that {$1700.00} was the correct amount for cleaning and damages. The manager supposedly as supposed to get back to me with proof of the supposed damages but she never did. The complex held the check for several months and finally cashed it in XX/XX/2018. In XX/XX/2018 they turned the account over to collections for the {$1700.00} which they collected and cashed, despite not being able to show me what supposed damages I was paying for. 

When this turned up on my credit I contacted the apartment complex and never got a returned call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a California Franchise Tax Board tax refund intercept notice on XX/XX/2019 mentioning my tax refund {$370.00} won't be paid because I owe the money. I never received any written notice about this debt, nor do I aware of any debt I owe to someone. On XX/XX/2019 afternoon, I made a phone call to Alliance One, the debt collector regarding to my debt. But the operator can not find any information under my name nor my husbands name. Obviously, this debt is sent to me incorrectly. And they even use XXXX to intercept my tax refund ... That's quite unbelievable. 

I sent a letter request information and let them to correct the errors on XX/XX/2019 but didn't get any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper mortgage has failed to report my loan payments and my mortgage does not show on any of the credit bureaus ... like it never existed. I have contacted them every month for the past year and after my bankruptcy was XXXX and loan reaffirmed that they were supposed to by law report my credit and I have contacted my attorney and I have contacted the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: UT

Complaint narrative:
Never received any written information about supposed debt. Never heard of this company. The company they're claiming the debt is from is closed, and they subsequently can't verify the debt in the first place. This debt is supposedly only a few months old from a company in Arizona, but we haven't lived in Arizona for 3 years. The last time I went to any sort of medical facility in Arizona was 5+ years  ago which is beyond any statute of limitations for medical debt. There is no possible way this debt is mine, but it is being reported to the credit bureaus. They aren't legally allowed to report it if we haven't been notified in writing of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CT

Complaint narrative:
Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have paid off my US Bank mortgage on XX/XX/2018. US Bank has confirmed that the loan has been paid off. However, even after six months the US Bank has failed to release/ reconvey the Title/ Deed on the property back to me through the county recorders office. 
I have approached US Bank numerous times at all levels including the executive office and the US Bank Customer Advocacy office, however all along they have responded that they have sent documents over to the county office and as far as they are concerned the matter is closed. 
I have approached the XXXX XXXX County office ( California ) and they have informed me that the documents submitted by US bank were incomplete and were returned back to the US Bank informing the US Bank to re-submit the documents. However, US Bank has not resubmitted the documents back. All my calls and emails to US Bank in this regard have gone unanswered with them sending me one letter in the mail saying the matter is closed and they can not help me in this regard

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 2019-06-05 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: CT

Complaint narrative:
Let me make this clear to you, XXXX is my student loan account but DP OF EDUC XXXX IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Remove multiple entries of DP OF EDUC XXXX, I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: Comerica
State: CA

Complaint narrative:
my business cheking account with XXXX XXXX one day i had stolen checks and cashed from my account total 3 checks i contact my XXXX XXXX its been a long time dealing with my problem after that i was inform that the cashing bank was comerica bank i talk to there fraud team but they never try to help me with my stolen checks i demand my money to be paid cus my money was stolen and abvously there custome did this the name on the check i dont know the wrighting is not mine ans signature is not my signature also pls help me with this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CT

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have tried to contact this credit card company, Chase Bank asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2500.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. Chase Bank continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX  Credit Report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom it may Concern ; This letter is in response to your phone call on XX/XX/XXXX I received 2 private calls at XXXX and at XXXX, XXXX XXXX left a message " stating that they have notification of delivery of legal documents delivered to me to my previous address and that they have not heard any response on my behalf, the reason for this is that i never received any legal paperwork or knew of this matter, today XX/XX/XXXX was the first time that i learned or was aware of this matter. he stated to return the call to XXXX at ( XXXX ) XXXX with file # XXXX to return the call before the end of the business day will be best or they would consider it as negligence, and this matter will be submitted against me without my statements included. 
Then at XXXX they called again but this time on my mother 's personal number and that's when i spoke with XXXX XXXX , he stated that i needed to call XXXX no later than today because someone was suing me and if i didnt they were going to submit the legal lawsuit to the XXXX XXXX county courts, so i panic, called XXXX and he told me that i owe a debt of {$5200.00} from XXXX and the last payment on this was given on XX/XX/XXXX, which by the way the ( STATUTE OF LIMITATION has Expired ) from a Weight Loss program, Breach of contract. so i told him i was not aware or recall of this because i have never inquire or have been in any weight loss program. so he continue to say that if i don't take responsibility of this debt, make arrangements or pay i would have to go to the XXXX XXXX legal courts and i would be responsible on paying court fees plus the debt and the balance would go higher ... he was threatening. If this type of debt has an expired STATUTE of LIMITATIONS, if they pursue with this matter in court i will be forced to show proof that the statute of limitation has expired. 
Let this letter serve as notification that i do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated any other communication regarding this debt will be taken as violation of the fair debt collection practices acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CT

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... 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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance charge off account I have been trying to get this account off my credit because I believe the bank didnt report a lot of payments I made on time which I paid 26 percent of this loan. I also made 49 percent of my payment on time but it doesnt show that I made any payment on time!. Under the fair credit act, section 604 this a violation. I request for this account be removed from my account. Also affecting me from applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-06-05 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: CA

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : 08 XXXX XXXX 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2019-06-05 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: NV

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX XXXX, XXXX 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 2019-06-05 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: NV

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX  XXXX XXXX, XXXX 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