vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02 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: Real Time Group, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX  XXXX and the second mortgage company is Real-Time Resolution.  Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my XXXX credit report.

Real-time Resolution mortgage service is reporting to XXXX  two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with Real-Time Resolution. 

I contacted XXXX  on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to Real-Time Resolution to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, I am complaining about JP Morgan Chase Bank N.A., their Law Firm XXXX, XXXX XXXX, and XXXX County, Illinois Public Officials stealing my home and personal property at XXXX XXXX XXXX, XXXX, Illinois XXXX Case number is XXXX XXXX XXXX, Illinois. I am the Son ( XXXX XXXX ) and was the lifelong tenant in possession of the property, The loan was paid off after my father died, ( XXXX a XXXX Veteran ) in XXXX and then after my mother died ( XXXX XXXX XXXX ) a Spouse of a Veteran in XXXX they sued her for a loan that was paid off the Court Lacked Jurisdiction you can not sue dead people, JP Morgan Chase Bank and their Attorneys XXXX and XXXX XXXX, have engaged in a pattern and practice of paying illegal kickbacks ( Bribes ) to public Officials to steal people 's homes, inheritance, and personal property, the Sheriff of XXXX County and the XXXX Illinois Police department evicted me ( theft ) without a eviction order signed by the land owners my parents XXXX and XXXX XXXX. All parties have engaged in fraud and felonies to steal my home and inheritance and personal property. 
It is Civil rights Violations to evict a family member of a servicemember, the home was paid. 

My contact information since I am homeless is. 

XXXX XXXX Son of XXXX XXXX and XXXX XXXX Deceased XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-02 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-02 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: GA

Complaint narrative:
I started a dispute on Equifax 's website on XX/XX/2019 for inquiries I did not authorize on my credit report. I was told that you couldn't do it online with them but when I got on their website to see my inquiries, they had a dispute section for inquiries. So I filed the dispute and listed the inquiries I did not recognize and they said it could take up to 30 days. 4 days later I got the results of the investigation only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/GUITAR CENTER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-11-02 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: NY

Complaint narrative:
The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
For XXXX collection This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02 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: NC

Complaint narrative:
XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is XXXX XXXX. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my Equifax credit report. 

XXXX XXXX XXXX XXXX is reporting to Equifax two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with XXXX XXXX. 

I contacted Equifax on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to XXXX XXXX to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This is in reference to complaint # XXXX, which has previously been filed and closed on XX/XX/XXXX. However the issue is still unresolved. 

The comments below all relate directly to Capital One 's response to my complaint.

1 ) The letter does not provide the date the final payment is due before interest will be charged. Rather is only says XX/XX/XXXX. What is the actual day during the month of XXXX? 

2 ) When I spoke to representatives at Capital One they told me it was due XXXX, then they told me it was due XX/XX/XXXX. Now their letter says it is due in XX/XX/XXXX but does not provide a specific date. Why is it that each time Capital One responds to this question the date it is due gets shortened? 

3 ) A representative from Capital One called me in early XXXX and left a voice mail to call back. When I did I found I was calling they general customer service line. After holding for 10 minutes, then re-explaining why I was call, then being placed on hold, the representative finally came back on to the line and told me a letter was being mailed. Presumably the letter attached to their response. However I have NEVER actually received this letter.

4 ) On XX/XX/XXXX I received a call from another representative, this time from the " Executive Office '' wanting to discuss case # XXXX. I have called the number provided, XXXX, extension # XXXX, at least 5 times and left voice mail messages with my phone number. This person has never called me back. 

Capital One has still not resolved this complaint. In fact their responses only further confuse the matter. They simply prefer to give consumers the runaround. I am still expecting a resolution to this matter by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I have been trying hard to put in a little extra a month to my two remaining loans through Navient. The interest rates are the same, but one is around {$600.00} more ( {$2700.00} vs. {$3300.00} ), so I want to pay the extra to the one with the higher balance. Each time I make an online payment, I specify which loan I want the money to go to, and it always gets split between the two. The last time this happened, XX/XX/2019, I requested that they fix this. Two days later, they responded saying they would make the change but not for 7-10 business days. I just made another extra payment yesterday, XX/XX/2019, and the exact same thing happened ; the money ( {$44.00} ) was split between the two loans. 

I don't want to have to keep contacting them to fix a problem that shouldn't be happening in the first place. I feel like they continue to do this just to get a little extra interest money from me which I don't think is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
The XXXX amount owed is not my debt. XX/XX/15

Company response to consumer: Closed with explanation