vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 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: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
I have sent notice to XXXX  credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: UT

Complaint narrative:
Experian Credit agency is reporting the wrong name on my file and i would like for them to get rid of the wrong name which is XXXX XXXX XXXX i have never been know by that name or will i ever go by that name my Full Legal Name is XXXX XXXX XXXX and thats all that should show on my reports please get this fixed asap and i would also like for experian to get rid of the accounts on my file that have XXXX XXXX on them due to not being my name and get rid of the collection 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 non-monetary relief
Consumer complaint received 2018-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is reporting a name that does not belong to me and i would like it if they would get it off my record the incorrect name on file is XXXX XXXX XXXX and the correct name should be XXXX XXXX XXXX there is a bankruptcy on my credit file that is not mine and i would like it if they did just that.

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 2018-07-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax is reporting a name that i have never went by and the name is XXXX XXXX XXXX and the correct name that should be on file is XXXX XXXX XXXX and the incorrect should be taken off of my record and all the account that have the last name of XXXX should be taken off of my record please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a XXXXXXXX XXXX credit card. I have fallen on hard times do to XXXX XXXX XXXX. XXXXXXXX XXXX actually breached my information by calling and harrassing a girl I work with who's name is literally 1 letter different than mine. Obviously our dates of birth were different. I am extremely upset over this situation and the collectors are very rude and are harrassing my mom as well as calling from 15 different phone numbers several times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had attempted to start building my credit, bank of america helped me open my first line of credit, a secured credit card. I never received notice of payment deadlines coming near until I had late fees noted on my online account and phone calls from collections. At the time I was struggling to pay my bills on time and after 30 days bank of america closed my account and hurt my credit report claiming my history as delinquent, and late on payments. I payed off my secured card as soon as I was noticed of the closed 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 2018-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent notice to experian credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month

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 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have banked with Chase for 30 years and received a letter from XXXX XXXX at Chase on XX/XX/2018 dated XX/XX/2018 stating that my loan servicing was moved to XXXX XXXX XXXX ( XXXX ) effective XX/XX/2018. I called XXXX at XXXX   on XX/XX/XXXX to make payment and XXXX said they did not have my account information and to call back next week. I don't want my mortggae payment to be late and I can't pay at Chase like normal and XXXX  does not have my information like XXXX XXXX at Chase said they would have it as of XX/XX/2018.

I called XXXX   again on XX/XX/2018 and they still don't have my information.

I called XXXX XXXX, Managing Director, at Chase ( XXXX, and I get put through to the XXXX  and they tell me that XXXX XXXX   will not call me back even though he signed the letter sent to me on XX/XX/2018. I spent an hour and 20 minutes on the phone with Chase employees in the XXXX  on XX/XX/2018 but they do nothing and just tell me to pay my mortgage late next week when XXXX  should have the information. No one will put me through to XXXX XXXX  Managing Director at Chase who sent me the letter explaining the change in serving. If they don't transfer the account properly it should go back to XXXX XXXX  at Chase. Why does he send me a letter than hides and refuses to come to the phone at the telephone he noted in his letter. XXXX XXXX Managing Director, Chase, XXXX. I attached a copy of the 6 page letter. Why are these executives at Chase such cowards hiding from their customers of 30 years.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2018-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX-XXXX-18 I paid {$30.00} to bank to stop payment on authorized payday loan. But on XXXX-XXXX-18 the bank paid {$200.00} to loan company anyway. The bank then refund {$200.00} back to my account. Waiting on that claim to come back the bank paid another {$120.00} + {$3.00} international transaction fee on XXXX-XXXX-18. I then went into bank to find out why paid again. Excuse given. Then Letter came in mail stating {$200.00} being returned to bank. I go into bank and official stated I needed to change bank acct number. I then asked ; if I could get my stop payment money back? Official said he could only give me back {$3.00} and it was added back into my 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 2018-07-06 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: GA

Complaint narrative:
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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:
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2018-07-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2018-07-06 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: GA

Complaint narrative:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2018-07-06 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: GA

Complaint narrative:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. 

My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. 

Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. 

I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: HI

Complaint narrative:
On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc.
State: NY

Complaint narrative:
SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing information on my credit with TransUnion for over 3 years. The information is still on there and I requested copies of how they came up with what is reported on my credit report. I am in the military and it is required that I maintain a security clearance. In order for me to obtain it a few years ago, I had to pay creditors that I did not owe. I am attaching copies of letters that were sent and a copy of credit reports. The only thing that TransUnion did was send me another report over and over. One of the XXXX XXXX accounts were deleted but they left the other one. Please help me in getting this information corrected. 

The companies are : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - According to credit report it will be deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - the other account was deleted but this one was left. 
XXXX XXXXXXXX According to credit report, it will be deleted XX/XX/XXXX Thank you in advance.

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 2018-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cordoza & Wexler Recovery Services
State: WI

Complaint narrative:
Received VOICEMAIL message today on mobile phone from number, XXXX " " my name. '' This is XXXX XXXX I'm a carrier with the county responsible for serving you legal documents pertaining to your social security number. This is an attempt to locate you at your residence or place of employment to obtain signature. This is a fail attempt it will result in a missed court appearance on your behalf. To stop the practice of being served or prevent a missed court appearance that you please press one to be connected to be directly connected to a representative or connect the filing party at XXXX. 

When I called them they stated they were from the law office of Cardoza and Wexler. When I pressed for more information I was either hung up on or left on hold until I hung up. 

The debt they are sighting is an old payday loan that has already been paid over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, purchased my " debt '' in XX/XX/XXXX.  I NEVER received a written notice that, A i owed the debt, and B that they owned my debt in the amount of {$610.00} In XXXX my parents received phone calls stating that I owed debt and that they where liable to be sued for the debt even though they had ZERO attachment to said debt. When I called in to find out what was going on, they said either we sue or pay a balance or settle. I told them I was never informed about said " debt ''. Never received a letter stating anything even after that phone conversation. Then in XX/XX/XXXX, XXXX XXXX XXXX filed a civil lawsuit against me for the total balance of {$610.00}. I was served in XXXX of that same year.

Company response to consumer: Closed with explanation