vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: Screening Reports Inc.
State: CO

Complaint narrative:
Recently got a letter today XX/XX/XXXX, from XXXX XXXX  XXXX saying I wasn't approve for a card that would me move forward in my business. on the letter It said " current or past delinquency with one or more of your creditors '' and then I checked XXXX XXXX I wasn't able to recognize few of the creditors that was reported that was on the year of XXXX. 
if possible I would appreciate your help if I could get this resolve so I can continue building my future!

Company response to consumer: Untimely response
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
We took out a student loan at 7 % interest for XXXX. The amount to be paid back was XXXX. We have not missed a payment and have paid Navient {$26000.00}. and they are claiming that we still owe them over {$33000.00}. We agreed to pay them back the extra {$4000.00} of interest. They are charging us {$24000.00}. on a {$35000.00} loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX from XXXX, VA and I received calls from my mother, XXXX XXXX, advising that she received numerous calls from XXXX, a Collection Agency advising that if she did not provide information regarding me, that they would put her in jail. She has messages and logs of the calls over the last month. They also called my ex wife and ad I advised my Mother to give them my information - I have been at the same address and phone number since XXXX. There is no reason why a company can not contact me or find my number. 

I received a message from XXXX with a non-toll free number ( XXXX ). When I called XXXX on XX/XX/XXXX at XXXX, they advised me of a credit card from Juniper, to which I had a card and paid it off in the XXXX 's. Although they advised that it was paid in XXXX ( which is impossible ), I advised that I wanted to dispute and was told " good luck with that '' and hung up on. When I called back to dispute on the same day at XXXX, I was put on hold for over 8 minutes and then hung up on. 

I have not received any letters or information about this account.

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 2020-02-10 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: SC

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.

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 2020-02-10 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I tried to pay my mortgage payment online at the wells fargo website, in XXXX. I have been paying my mortgage for years at this website. Now I can log on but as soon as I click on mortgage it kick me out. I have talked to many reps from wells. They just give me the run around.

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 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had contacted the company after viewing my credit report. I advised that I have documentation that my car was stolen with my cards in it. I had sent that in and was told that it was going to be taken care of by the fraud department if they had any questions I would receive it in the mail or a call. I never received any other communications. I contacted Capital one on XX/XX/2019 and told them it wasn't resolved. They stated I would receive papers in the mail to send them back. 1 month later I haven't received anything. I called and she said to send a letter and someone might get ahold of me. This isn't my debt however it's affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This is happening with XXXX XXXX XXXX XXXX they were taking payments from a different account and applying payment to that and not the car loan. Then they would report the payments late. They even had both my car repossessed and charged an ungodly amount to get them back. This has been happening since 2016 and we have been working with them to clear this up and nothing has happened.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX  and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
During the summer I began getting calls from JPMCB Card services, XXXX XXXX XXXX XXXX Delaware, XXXX. On the first call, I picked up, and the lady explained to me it was Chase and that my account was due, I said I didnt think I had a chase credit card, she said her records said I did and that she needed some information. She asked me for some identifying information, but when I got the part of her asking for my mothers maiden name, I froze, and told her I would be calling Chase Credit Back. 
I called Chase Credit Services, and was told that I did not have a credit card open with them or a balance, and was told that this was fraud and I was transferred to the fraud team. When I told them the number where the call came from ( XXXX ) XXXX, the fraud representative said that was not a Chase number. 
JPMCB Card Services, masquerading as JP Morgan Chase, put {$400.00} on my credit report and did so fraudently. I checked online and JPMCB is actively engaged around the US in fraudently putting charges on peoples credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 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: KS

Complaint narrative:
This is regarding billing dispute XXXX. The merchant was XXXX for {$55.00}. I disputed on XXXX. It states action required by XXXX. On Citibank 's dispute summary page, it reflects action is still required. Citibank supplied a letter through their Notices and Letters stating they were reversing the credit on XX/XX/XXXX. 

I thought I returned this item and was wrong. I didn't respond to the dispute because I assumed Citibank would eventually reverse the charge. They did, although the dispute summary doesn't reflect that the investigation is complete. 

On XX/XX/XXXX, I sent an e-mail to XXXX to let them know it is still reflecting action required no later thanXX/XX/XXXX. They followed up with a letter. 

It is dated XX/XX/XXXX and states on XX/XX/XXXX that they asked me to follow up with them no later than XX/XX/XXXX. 

The problem is the dispute summary is incorrect and the action required date does not match the letter Citibank sent me on XX/XX/XXXX. In addition, there Notices and Letters page states all notifications and letters will be held there for 12 months. There is only one page when there should be more. I had two pages at one point and these documents disappeared. I spoke to a rep with Citibank the other day through their 800 number, and she said the problem has been reported by numerous customers in relation to billing disputes.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
We entered into an order in XX/XX/2015 that included all funds owed to the creditor PHH in bankruptcy court. The agreed amount was {$270000.00}. We constantly get statements that are incorrect. The most current statements shows an incorrect escrow and 6 missing payments although no one at the company will provide a payment history. We were told today that we needed a lawyer in order for them to speak with us. I have been interacting with them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of Equifax and XXXX XXXX dba CEO of XXXX  Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX. I have contacted the FTC and the LA Police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: MI

Complaint narrative:
In early XX/XX/2020, I disputed all 3 credit bureaus ( Equifax, XXXX and XXXX ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, Equifax, XXXX was deleted.Since then I have applied for credit and was denied. I discovered Equifax HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX and XXXX has removed it from my credit report ( s ) but cant understand why Equifax will not remove Bankruptcy from my Equifax report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can Equifax say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the Equifax credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to express my discontent with the handling of Identity Theft and fraud associated with a Paypal Synchrony Bank credit card. I became aware on XX/XX/XXXX, XXXX that an unauthorized Credit Card associated with my Social Security number was sent to collections due to non payment. 

I am in the process of buying a home for my family and in the middle of escrow, immediately after finding out about the collection debt, I called Synchrony Bank and spent 2 hours on the phone trying to clear and reestablish my credit. On Saturday, immediately it was determined that the account was fraudulent since the information on record for the account and my information did not match. My loan officer Mr. XXXX and myself, finally spoke to XXXX in the Fraud department and he instructed us to call back on Saturday XX/XX/2020 and that he would be able to further assist us with a deletion letter that would assist me with reestablishing my credit to continue with the purchase of my home. Unfortunately, we spend about 1 hour with multiple people and we were unable to speak to XXXX and did not get anywhere. We poke to XXXX with Employee ID XXXX and another individual with employee XXXX but we were not able to make any advancement nor did it seem that my case is being handled nor given the due diligence due to the nature of the circumstances I am in. 

It is unacceptable the manner in which Synchorny Bank is handling the case. It was evident that there is mismatching information with the credit card information and my credit, as they were able to immediately determine the mismatched information, but they can not resolve the case and provide me with a deletion letter to reestablish my credit. Time is of the essence and everyday that passes by, I am at risk of losing thousands of dollars in a security deposit for my home. A balance of over {$4000.00} was sent to collection and upon calling Synchrony Bank, they determined that there were discrepancies with my information and the information they have on record. Again, I did not authorize anyone to open a credit card with my social nor did I authorize anyone to utilize my credit cards. The last four digits of the account are-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 2020-02-10 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.

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 2020-02-10 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.

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 2020-02-10 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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