vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have 3 Account on my credit and is not mine, Im call credit bureau and collection agency and they dont delete for about 2 years

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for a new credit card from Wells Fargo on late XX/XX/2019. The information on the official Wells Fargo mentioned " Apply in minutes. Get a Decision in Seconds. '' Nowhere in the page or the website of the application of the credit card, did they mentioned that it may take longer than a minute or it would involve additional steps to apply for a credit card. After I applied for the credit card, I received a letter in the mail saying that I need to verify my identity. I called them and went through some prompts. The customer agent told me that was it. A week later I received another letter saying the they still need to verify my identity. They want me to go to the nearest bank, show my ID and bring a copy of my utility bills. My credit score was XXXX before applying. I would have received the credit card, but was denied and it hunted my credit score below XXXX. I objected to this since I applied not knowing that all this would be required. If I knew all the requirements, then I would not have applied. My credit score is not lower because of the application and I don't have a new credit card. This has affected my score and it has costed me money since my interest rate have increase. Wells Fargo has deceived me in their credit card application and continue to deceive others.

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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
This amount is XXXX dollars is not mine and Im have for about 2 years and they used different XXXX agency with ilegal process please si need they delete from my credit soon posible

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 2019-09-24 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: Tesla, Inc.
State: CA

Complaint narrative:
I recently reviewed my credit reports and found out that TESLA is reporting to the credit bureaus that I have a debt with them, with a balance of {$23000.00} with a monthly payment of {$110.00}. 
I have NEVER purchased anything from Tesla. 
In 2015 I installed solar panels in my home from Solar City.

Tesla bought Solar City, I was notified that the contract would remain the same, but clearly it did not.

Tesla has added a new debt to my credit report instead. A debt that does not exist. 
My original contract with Solar City is for the usage of electricity solely, produced by the solar panels. ( Panels are free of charge ). 
My contract was for 20 years, at XXXX cents per kw. " With the option '' to purchase the panels at the end of the contract at a fair market value determined by an appraiser at that time, Or, have them removed free of charge.

I contacted Tesla, they told me " they are calculating '' the electricity I will use between now and the next 20 years and that's how they came up with a figure of $ XXXX. That sounds insane, I might not even live another 20 years, let alone, predict the future to know how much electricity will be used in my home. (? ) Solar City never reported any amount to credit bureaus. Tesla needs to honor original contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am requesting a one-time 30 day courtesy foreclosure postponement, for the reason that the I was advised I was unable to use my husband 's income, XXXX XXXX XXXX, as a source of income. 

Chase failed to : Ask for my ( husband/contributor ) XXXX XXXX, income documentation. 
Did not request a non-borrower contribution form. 
Did not request for proof of occupancy from the contributor/husband. 
Did not ask for his tax returns or a 4506-T I've faxed in a completed application for a loan modification and/or a repayment plan agreement. 
I am requesting that my family and I be granted a one time foreclosure exception request in order to review our application and forward to the Loss Mitigation department, in order for the account to be assigned to a case manager and forwarded to a team member within Chase 's Underwriting team. 

This account has never been granted a foreclosure postponement in the past. 
I was denied the opportunity apply and use my husbands source of income. 
This account has not been reviewed in the past for a short sale/DIL review, in the event the account is not eligible for retention option. 

Documents Attached to the fax sent to Chase are as follows : Foreclosure Postponement Request Complete Loan Modification and/or Repayment plan application. 
Non-Borrowing Contribution Form ( husband ) 4506T for Note holder 4506T for Non-Borrowing ( husband ) 2018 1099 for Non-Borrowing ( husband ) 3 to 4 month Profit and Loss for Non-Borrowing XXXX husband ) 5 most recent consecutive check stubs from employer for Non-Borrowing ( husband ) Social Security Award Letter for Note holder 1 Bank Statement Cycle reflecting proof of SSI deposit for Note holder 4 Bank Statement Cycles reflecting proof of employment deposit for Non-Borrowing ( husband )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
Is not mine account because they have with my different last name XXXX XXXX and they have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc.
State: VA

Complaint narrative:
Collectors havent called- if they have there was no message left to return call. Received XXXX mailing, when called the number on the mailer to pay debt, there was no answer even within business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: LA

Complaint narrative:
I contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
purchased paddleboard ( kind of like a kayak, almost 10 feet long ) on XXXX  on XX/XX/XXXX received shipping notification XX/XX/XXXX no further tracking XX/XX/XXXX and contacted merchant, email bounced and found out merchant have shut down, so filed online dispute received conditional credit, which was reversed on XXXX Contacted citicards via email and phone 5 different times without resolution, explaining above issue. 
was told it was " my fault '' for purchasing on a fraudulent website.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I was laid off from my job. Having trouble finding work I applied for Unemployment Mortgage Assistance through Keep Your Home California. I was approved a few months later. I did not find employment until XX/XX/XXXX. This gap in employment put me in a big financial hardship. When I called Keep Your Home California to inform them I had started a new job they informed me that I still had 3 months of assistance and if I wanted to use tit. I of course said yes since I didnt have enough time at my work yet to make my mortgage payments. This would have meant my first payment would have been in XX/XX/XXXX. 

In XX/XX/XXXX I received a letter from Home Point Financial my mortgage company that they did not receive payment for XXXX. So I immediately called Keep Your Home California and the person who help me over the phone said that they made a mistake and my assistance actually ended in XXXX. I now was behind one month of my {$3600.00} mortgage payment. I immediately paid my XXXX mortgage and began to save up and cut expenses so that I can pay the amount I was behind. When i called Home Point to tell them what happened and the operator said they would have a manager call me to arrange some assistance to give me time to pay the balance that was not paid. I never got that call. I continued to pay my monthly mortgage of {$3600.00} I called the customer support line again in XX/XX/XXXX and the agent was supposed to split the missed payment into 4 different payments each month in addition to my monthly mortgage so that I may be able to pay it without having any negative reporting. This didnt happen either. I called again in late XXXX - early XXXX and the agent helping me said that they did not see any notes of my previous call or arrangement and that all they could to is split up my payment in 2. I agreed to this as well. But before my next payment I was able to save enough money to pay the balance in XX/XX/XXXX. 

I ended up paying {$7300.00} which is a large amount of money for my family and I. Since I am the only bread winner it took longer than anticipated to come up with that amount of money. What i was not aware of that my payment in XXXX was actually to cover XXXX and all my payments from XXXX - XXXX were always for the previous month making me have multiple months late and it affecting my credit report immensely negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have a HSBC Credit Card.My Card No. is - XXXXMy Credit Card due was Rs. XXXXDue to my bad financial condition I was unable to pay the dues.On XXXX a person from HSBC Bank came to my office and threatened me about the dues.He forced me to give Rs. XXXXNow, After that, I have informed the bank that, I need settlement due to huge financial problems.HSBC / Agency continuously called my office landline number.Yesterday, I have got warning from HR in my office that if any further phone from bank will happen then I will loss my job.Now, tell me sir, I work in a private company.After loosing my job I will not be able to pay the outstanding dues of HSBC bank.I wanted for settlement.But, they refused.I am helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased plane tickets through XXXX XXXX and they completely scammed me out of XXXX $ i purchased XXXX $ flight insurance in case i needed to cancel our change my flight, which on the website said cancellations were covered. The day before i got really sick and couldn't fly for 21 hours. I tried to cancel and they said that i would have to pay XXXX $ and that my insurance doesn't cover cancellations but it actually did. I purchased a full round trip ticket. 2 weeks later was supposed to be my return flight but because i NEVER took the flight there nor was i offered an alternative solution besides ripping me off for more thousands of dollars they cancelled my return flight and still did not refund my money. I never flew with this airline my insurance covered nothing and i feel scammed. I filed a claim with my bank ( chase ) and they have not helped nor ruled in my favor. They have not offered me partial refund or anything for that matter. I am so upset because this company portrays false information. I also XXXX   the company and this is not an isolated situation they have done this to others. XXXX XXXX check the reviews im not the only person this has happened to. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I see an UNKOWNN Collection item in my credit report. I see incorrect details such as missing payment history, terms, credit limit, etc. Actually, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid my Citi card off in full {$1300.00} dollars I used citi app. The payment didn't go through, so I did it again this time it took.When I checked my XXXX  checking account City withdraw {$1300.00} twice.i called city and they would fix the problem in 2 days, today is XX/XX/XXXX and I still haven't received the money into my checking account.I spoke to representative XXXX XXXX and he said it's going to take 2 more days to send the money back to XXXX Bank.I had 1 overdraft which Citi refunded me and now I have a second one because I thought the problem would be solved by now.Not only has it been a big inconvenience but it may hurt my credit score.

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 2019-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 Dear Experian My name is XXXX XXXX. Im writing this letter to whomever it may concern. I have an account on my credit report thats in error and I really need help getting it removed. Ive tried over and over again disputing this account but still cant seem to get it removed. Account number XXXXXXXX XXXX XXXX amount of {$4500.00} opened on XXXXThis Company promised me that I was able to end my lease due to my roof caving in on me and my children. At the time they apartment complex did not have another unit to place me and my family in, in exchange the manager stated that I can just end my lease without penalties. This account has been on my credit since Ive left these apartments. Ive done all that I can to get this removed and Ive had no real help or supporters. Im not just asking for a hand out Im just asking for help, for someone to look into it and see that what Im saying is true. This account is wrongfully on my credit and I really need help with getting this taking off. Please, please help me with this matter. Thanks XXXX XXXX contact number 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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There is a PAID Medical Debt Collection on my Equifax Credit Report ( See Attachment ). This Medical Debt Collection was placed on my Equifax Report in XX/XX/2018, not allowing for time to see if my medical insurance would pay for it. It should be DELETED/REMOVED as required by the National Consumer Assistance Plan ( NCAP ) for Medical Debt Collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
Fed loan service is reporting a loan twice on my XXXX credit report. 
There are a total of six loans reporting when there should only be five. 
The amount is more than what it should be please remove the sixth ( duplicate {$3100.00} ) account immediately! 
This is my eighth complaint and no one here is taking responsibility.

Company response to consumer: Closed with non-monetary relief