vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Servicer and investor of mortgage loan # XXXX being serviced presently by Mr. Cooper has added fees beyond which borrower has any ability to pay or recollection of any reason meriting such fees. Total fees to date dating back to XX/XX/XXXX rise up to about {$3500.00} when borrower. According to Mr. Cooper default date goes to XX/XX/XXXX which means these charges were paid but are still being utilized as the total still owed under their reinstatment quote. To prevent foreclosure and attempt to remedy the issues, borrower did made a formal written request for information on XX/XX/XXXX, another on XX/XX/XXXX and a more recent one again on XX/XX/XXXX by phone requesting a complete payment history, amortization, and history of any additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
My husband has a title loan with One Main Financial. I am not on the loan account. My husband was in the hospital from XX/XX/XXXX through XXXX XXXX. While he was in the hospital our family had NO income. He had originally authorized automatic payments to be deducted from our joint checking account to pay this loan each month. Since our family could not pay the loan in XXXX i called One Main to explain the situation. They would not allow me to stop the automatic payment because i am not on the loan account. I called the CFPB and spoke with a woman who advised I write to One Main revoking authorization to take the payment out of our joint bank account. I wrote an email on XX/XX/XXXX but it was not 3 business days ahead of the withdrawal, and they took the money out of our account. Our checking account had a negative balance for 4 weeks after this. One Main did not deduct the payment for XXXX, however they did deduct the payment for XXXX. I called and spoke with someone in the One Main office who stated that my email was not received, then he said that it was only effective for one month, then he stated that my husband gave authorization to take payments out again, which he DID NOT. My email stated " As of today I am revoking authorization to take automatic payments out of our 'bank name ' account on file. '' So now they withdrew every dollar in our account and I have no money to feed our XXXX  children until our next paycheck in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 found some one used my personal information and open credit accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

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 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dear Sir or Madam, I upgraded the chase checking account last XXXX to sapphire account with Chase to get the {$1000.00} coupon as they advised that if the balance maintains {$75000.00} for 3 moths on a sapphire account, we can get {$1000.00}. It is already 5 months I still didn't see the {$1000.00} coupon. By talking to customer service, they said because I only deposited {$72000.00} and the remaining {$3000.00} is a roll over from the old account and didn't been counted as new money. However, I was instructed by the chase branch banker that she upgraded my checking account, told me to write a check for {$72000.00} instead of {$75000.00} and promised me that I was all set. Now chase refuses to pay me {$1000.00}. To my understanding, it is Chase 's fault that they didn't train their employee well and misguided me. I shouldn't be the one to take the loss. Please help me with the issue. Thank you very much and I really appreciate it! 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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: AFNI INC.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2020. AFNI, INC reported a new credit account to XXXX. The original debtor was XXXX XXXX in the amount of {$500.00}. This was an account that I believe someone else had in my name that was first reported over six years ago. It has now been illegally re-aged and is showing on my credit report as a brand new delinquency. As a result, my credit score has dropped by 19 points. I disputed the action with XXXX, but they often take many months to respond, if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. XXXX   and TransUnion have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.

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 2020-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
Starting 3 years ago, I have tried to reach out to reach out to Sallie Mae to see how I can start settling my student loan and had trouble getting in touch with someone to help me get information on my account. In the meantime, my grandfather, who is the co-signer on the loan has been harassed by debt collectors threatening to sue him, but not giving any specifics of how much it owed or how he/I can settle this loan. 

Eventually I figured out my debt got sold to XXXX XXXX. 

Since then, I have reached out to get started on my repayment options with XXXX  only to have been lead to shady websites and broken links I even have been given disconnected contact numbers. This has been an ongoing process for about 2 years. 

I then was pointed to a credit repair service that I thought could help me get to the bottom of this situation. When I would talk to this service, they claimed that this loan was shown as being " none reported '' ( I have a downloaded PDF that reflects this ). The service was working for over 6 months to get this taken off my record but it didn't seem there was much else they could do, so I discontinued the service. According to the service, this would eventually get sorted out, it would just take time to reflect on the record. 

In the meantime, I have disputed the loan on my credit report on both XX/XX/XXXX and XX/XX/XXXX to see if I could resolve it this way both times the loan was verified as accurate. 

My complaint is not necessarily about the repair service, although I am unsure whether they've mislead me to believe this loan is not detected on my record. Instead, this complaint is about the loan company and a lack of feedback on how I can get information on this loan. This has greatly impacted my credit score, and I'd like to start getting this sorted as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have attempted several times to have this company to VALIDATE this alleged debt, to no avail.I do NOT owe this company {$6300.00}. This inaccurate, incomplete, misrepresented account has been removed & reinserted from my credit report a minimum of 4 times in violation of FDCPA Sec 611 ( a ) ( 5 ) ( B ) and reinserted without the pre-requisite 5 day notice before reinsertion, nor has this company complied with my request in accordance with FCRA Sec 609 to provide the original instrument of indebtedness upon my request.I also requested accounting history in accordance with FCBA ( Fair Credit Billing Act ) information request, which entitles me to a detailed account history and info. 



This account was removed on or about the following dates XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX- XX/XX/2019 XX/XX/XXXX-XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 I called Bank of America. They were going to mail a check in the amount of {$430.00}. They quoted 14 business days. On XX/XX/20 I called and was told check was stolen and they would re-issue check. I called again on XX/XX/20 and was told by Supervisor, XXXX ( he refused any other id ) that he would reissue another check. I never received and called back. They said they would stop payment and send money to my savings account electronically-5 business day time frame. I never received that either. I called again on XX/XX/20-per Manager, XXXX, stop payment was ordered, but representative failed to issue the electronic payment. I am now quoted another 10 BUSINESS DAYS. I have given this bank plenty of time to rectify this matter. I now feel deceived and betrayed by false reward promises. This is consumer 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 monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is in violation of RESPA and acting in bad faith regarding a real estate transaction. At issue is a short sale request that was submitted on XX/XX/. SPS then countered based on a drive by property analysis which is NOT valid with lived in homes. We then supplied written documentation stating this property was improperly valued as a 3 bedroom and their value was inflated. We advised them to act in accordance with RESPA and contract guidelines they are required to do an interior and to take into consideration the illegal additions which must be removed. SPS is refusing to do an interior and they laughably put in the notes they only consider what they can see in the photos which is literally the outside of the home. This is gross negligence and incompetence regarding a financial matter. SPS should be significantly fined just like XXXX XXXX as they are harming homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I tried to go to an ATM here in California. My debit card for my preferred bank did not work so I was going to have to use my " emergency '' card which is through US Bank. I was not sure how much money was in this account so I tried logging into my account to check with my phone. The app denied me access. Despite this, I know I have a line of credit with overdraft protection which was guaranteed to me, verbally, to have no fee when I signed up. 

This morning I am finally able to login after numerous attempts and see they have charged me {$7.00} for an " Overdraft Protection Fee. '' What? I was told, in person, when I signed up there is not a fee for this service. I called US Bank and after a 30 minute hold spoke with somebody who read me an agreement that indeed lays out a {$7.00} fee for this service. She then confirmed to me that this policy went into effect last year. I asked them to provide any indication of how I was informed of this change in terms from what I agreed to sign up for and they could not provide it. 

To summarize, they offered me a free product. Then at some point, changed it to a product that is not free. They never informed me of this. Then, they ensure that their online service is so terrible that I couldn't possibly transfer the funds on my own to avoid the fee. Then they milk 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 monetary relief
Consumer complaint received 2020-03-20 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 am writing to request the assistance of the CFPB in connection with a dispute I submitted to Experian. On XX/XX/2020 my attorney sent a letter to Experian with back up documentation disputing the existence of three fraudulent accounts on my credit report. They include : XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. In addition to providing the statutory authority for the demand for blocking these account, my attorney provided a notarized affidavit, and FTC complaint, as well as a police report filed with the XXXX XXXX Police Department. 

Despite the ample documentation, Experian has refused to block these accounts from my credit report as required by California Civil Code 1785.16. Our position is more fully described in the attached letter from my attorney and the back up documentation enclosed with that letter.

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 2020-03-20 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 was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

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