vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NH

Complaint narrative:
The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After reviewing my annual credit report, I realized I had not closed my account with Macy 's. On XXXX XXXX I mailed them a letter requesting Macy 's close my account. I was only able to supply them with the parcial account number supplied on my credit report. On XXXX XXXX I received a letter from Macy 's in response to my closure request. They were unable to close my account with the information provided. I do not know my full account number and would like to have this account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XX/XX/XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XX/XX/XXXX 30 day late via XXXX 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XX/XX/XXXX and XX/XX/XXXX ). XXXX, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XX/XX/XXXX ; I had XXXX credit product, a XXXX card ( " loan '' ) displayed on my XXXX credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XX/XX/XXXX, and just recently ( XX/XX/XXXX ), Pentagon Federal Credit Union ( " XXXX XXXX' ) bought XXXX XXXX XXXX ; However, XXXX STILL shows the XXXX account as XXXX XXXX ( XXXX never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 'My accounts ' page included my savings account and I would pay my XXXX by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided that documentation ( " transaction record '' ) to XXXX showing this activity for XX/XX/XXXX AND XX/XX/XXXX, through XX/XX/XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX FCU has supplied XXXX with incomplete, erroneous, and contradictory information, yet XXXX continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XX/XX/XXXX thru XX/XX/XXXX. The account was closed XX/XX/XXXX, yet XXXX is reporting that it was closed in XX/XX/XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XXXX XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my Visa " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had XXXX credit product, a Visa card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the Visa account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account ( " loan '' ) : I provided that documentation ( "  transaction record '' ) to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, through XXXX XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX XXXX has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX XXXX XXXX XXXX. The account was closed XXXX of XXXX, yet Equifax is reporting that it was closed in XXXX XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I attended XXXX University for not even 6 weeks and I have a student loan that I cant pay I never even took the classes now I have a collection from the school and they took my financial aid that was supposed to be given to me. I feel i should get some relief due to the fact that I did not even finish the first 6 and I think the first 5 weeks of class. I was having really bad financial and family issues at time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was a previous XXXX XXXX and a victim of a security breach of personal data at the OPM office. After being notified of this I pulled my credit reports and found an in accuracy on the Experian report. I filed a dispute for the in accurate items but they were not removed, nor would they reinvestigate them even after I offered to send the letter from the OPM office proving the security breach. There were no in accuracies on the XXXX or the XXXX reports making it all the more evident my personal information had been compromised. <P/>I have tried several times to provide them this information in addition to redisputing the entries. They simply refuse to reinvestigate. These entries are damaging my credit and will cause me to pay higher rates for any loans that I may obtain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank took my {$1000.00} from XXXX XXXX then froze all my accounts and funds while they " verified '' that they already stole my money. Absolute thieving XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Over the past year I have been electronically,  XXXX , financially,  XXXX ,   XXXX   XXXX   by corrupt law enforcement,  landlord  and his firemen friends. They stole many items of min e, one being a credit card out of my lock box. I contacted the company, reported it to the credit bureau and the IRS. Attempted reporting it to police but they just laughed, I also called the  XXXX  State Police but they refused to help. I 've moved to   XXXX   and the  XXXX  has continued. It 's difficult  getting help when it 's the police causing the problems. There 's many issues of  XXXX  going on in my life and I have many documents and the electronics to show what I 'm telling you is true. I 've reached out to the FBI for help but they apparently also do n't care even though my current landlady 's husband was just prosecuted by them for many of the same issues involving local politicians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: VA

Complaint narrative:
In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX  account XXXX. This debt was settled and paid, but has been causing my credit score to be low. <P/>I was not aware of my consumer rights for accounts that were sold to debt collection agencies. <P/>Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. <P/>I would like this to be deleted from XXXX and XXXX <P/>The date this was recorded as paid was XXXX/XXXX/2014.

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