vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 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: NY

Complaint narrative:
I was XXXX for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX  Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account CollectionsXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO

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 2018-05-07 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: FL

Complaint narrative:
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and XX/XX/XXXXhave removed them but Equifax has not. I sent a request along documents that prove the inquires were a result of fraud. Equifax has not removed them and I have been told they are unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity theft through my workplace " XXXX '' account and since then have had numerous unauthorized charges on my accounts. In XX/XX/XXXX I failed to complete the affidavit Bank of America sent me. As soon as I learned that I didn't complete it I contacted them and ask to have another sent. On XX/XX/XXXX I had the teller put a freeze on the account and asked that the form be sent again, on XX/XX/XXXXBank of America reversed the temp credit of {$150.00}. Additionally they charge me {$140.00} in fees and have since left this account open that was to be closed and continue charging me {$25.00} per month. 

I have contacted the bank at least 20 times, been in the branch 5 times and  now they took {$340.00} from my good account to cover the fraudulent charges. 

They never call me back ; they tell me the last person I spoke with was wrong and here I sit owed {$160.00} plus {$340.00}. 

I now can't pay for my rental car, and am without transportation which is affecting my job. 

Please help

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 monetary relief
Consumer complaint received 2018-05-07 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: FL

Complaint narrative:
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and Experian have removed them but XXXX has not. I sent a request along documents that prove the inquires were a result of fraud. XXXX has not removed them and I have been told they are unable to.

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 2018-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at Bank of America XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of Bank of America XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

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 2018-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX we contacted XXXX XXXX to ask them to change their XX/XX/XXXX report to the credit bureaus from late to no info due to the fact that we had been adversely affected by an unexpected lay off, a circumstance beyond our control. ( See attached letter ). They are currently reporting our account as late, which is hurting our credit score and has made it difficult for us to obtain needed financing to make urgent repairs to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CA

Complaint narrative:
I have tried on two prior occasions to have Equifax correct two entries on my report. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both events started in XX/XX/XXXX. I entered into a modification process with both lenders and was told NOT to make a payment during the Mod processXX/XX/XXXXwas modified and returned to current in XX/XX/XXXX.  XXXX was modified in XX/XX/XXXX and returned to current status. The Fair Credit Reporting Act 605 c 1 states Commencement of the delinquency which immediately proceeded the event. The entries of both XXXX and XXXX should be removed from the commencement, XX/XX/XXXX, until they became current. One continuous event. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I paid off a court ordered judgement that included fees and interest for {$3500.00} ( original amount was {$3100.00} ). They are claiming I now owe 5.25 % in accruing post judgement interest of {$850.00}. I have no had no notification that an amount  beyond the judgement has been allowed by the court.

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 2018-05-07 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: NY

Complaint narrative:
Credit Report drawn for mortgage loan. 
Experian, XX/XX/XXXX IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 Transunion Credit Reporting Company intentionally locked me out of my ability to see my free credit report provided to me as part of my XXXX XXXX   member services. They have done this on multiple occasion. They then require me to call them and insisted on making me provide them My Social Security Number, Date of Birth, last three previous residences and other important and private credit  information. The first agent said I gave them incorrect information and they made me provide this same information to a supervisor. After correctly giving them the information they refused to allow me to see 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 non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX, from Rash Curtis & Associates, has been calling my workplace ( a XXXX ) repeatedly over the last two weeks. He has called three times SINCE being told by the receptionist that we do not allow these ( personal ) phone calls at work ( including today, XX/XX/2018 ). He told her that he would call other branches of our school, looking for the number for our Human Resources Department. He was rude and threatening to our receptionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I spoke with a lending agent and all my conversation were recorded. Closing costs and fees were not to exceed {$700.00}. Estimates attest to the same. At closing, pdf file document is doctored and shows fees which total monthly costs in excess of {$900.00}. I never agreed to this. They are pulling a bait and switch in hopes that I just sign. It is deceptive and lending done in bad faith. The names of Wells Fargo agents   involved are : XXXX XXXX, XXXX XXXX, and XXXX XXXX. They operate in unison to conspire to defraud me as a lender by shifting numbers at closing.

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 2018-05-07 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: NY

Complaint narrative:
I already submitted a cfpb complaint pertaining to this issue. The issue is reporting and how much inaccuracies there are. As a creditor you have an obligation to report accurate information that is 100 percent verifiable. This is not the case. Instead of saying you have to report accurate information and can not remove. You should read the Fair Credit Reporting Act it clearly lays out that if information is not 100 percent verifiable it has to be removed. The irony of your company saying it has to report accurate information when clearly you can see in the credit reports that is not the case. Just look at the attachments. XX/XX/XXXX has a MAXIMUM DELINQUENCY of 120 days between XX/XX/XXXX and XX/XX/XXXX, but on Experian the delinquency are 180 days between XX/XX/XXXX and XX/XX/XXXX. If my elementary school taught me anything 180-120=60. That is a 60 day difference in the reporting also know as two months. Also the original charge off was {$3600.00}, then your company updated it to {$2800.00}. Why did you update the number to a dollar amount that no statement has. XXXX settled with me for {$1500.00} dollars as you can see on the settlement papers I already paid {$1000.00} so back to elementary school XXXX. Which is one more payment which I will not be making till this is resolved. Removal of your account from my credit report is not an option its an obligation you have inaccurate reporting and which ever way you try to spin it doesn't change. I have all the documentation i just want this resolved. The CRA will remove this account one way or the other, it doesn't take a banker to figure out that your company was negligentful in the reporting. You can either remove this account after an " investigation '' a child could do, or I will be mailing you guys ligation papers, and will be seeing you in court. The law is quite clear on your obligations. Also I have documentation of your company having a system error on XX/XX/XXXX. XXXX has confirmed this and your customer service has confirmed this. How does a XXXX dollar company not keep a small credit card account in order? I am not going to waste my time going back and forth with your company so either this is removed at your own accord or through a court ruling.Just take a look at the attachments and you will clearly see your company is in the wrong. This is no ambiguity in this case, just clear cut.

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 2018-05-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have always been in good standing with my XXXX/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and XXXX/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX XXXX, not hers. When on the XXXX/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Early Warning Services, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

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 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Tried to apply for a joint account at XXXX XXXX. Didn't give me option to add his information and went to credit terms agreement. I didn't click on submit because it wasn't complete without his info. They still pulled my credit on the incomplete application and denied me. Application number # XXXX. Called two different numbers but they would not correct application. Wanted to me to go to a dealership to correct. So they pulled my credit without my authorization and denied me. Negatively impacting my credit score. I'm sure I'm not the only one stuck like this. They have a problem with their on-line application process they need to fix since it submits application regardless if you accept their credit application terms or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I have tried to contact the company to resolve this matter. I called to get a settlement and was told that my account information was sold/charged off and I could not take any action on this account after I had already made a payment that XXXX accepted. I have no information on the collection agency my account was sold to not has that collection agency tried to contact or verify this account. I find it hard to resolve this debt when i'm being giving false information about my account. If my account was sold/charged off, XXXX should have never accepted a payment from me. My account has been charged off for over 6 months and they accepted a payment last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NC

Complaint narrative:
Credit bureau was notified about incorrect information on XXXX XXXX 's credit report on XX/XX/2018 as well as XX/XX/2018. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both Experian and XX/XX/XXXX These negative items with pending deletion requests still remain as of XX/XX/2018. Deletion requests forwarded to the credit bureaus on XX/XX/2018 according to the collections company.

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