vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXXXX/XX/MARCH2019 - 30 DAYS .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
Accounts listed aren't mine.

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 2019-10-17 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: TX

Complaint narrative:
Accounts listed aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I spoke with XXXX at Fed Loan Servicing employee number XXXX on XX/XX/2019 at XXXX XXXX EST. He gave me conflicting information on my eligibility for the PSLF program as well as the difference between PAYE vs REPAYE and the status of either loan if I were to take out new loans. 

I asked to speak to his manager for clarification and he refused putting me on two 5 minute holds so I could " think about it ''. When I didn't hang up he said he would transfer me to a supervisor but instead he hung up. I spent an one hour and 20 minutes on the phone and still couldn't get my question answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Since the year XX/XX/XXXX, Mr. Cooper has applied the following legal paid expenses to my mortgage account : Statement Date : XX/XX/XXXX Legal Fees : {$370.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Property Inspection : {$15.00} Property Inspection Fees : {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX, - {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX. 
Statement Date : XX/XX/XXXX Legal Fees {$370.00} Property Inspection : {$75.00} Principal payment : {$0.00} Statement Date : XX/XX/XXXX Lender Paid Expenses : Total {$450.00} Statement Date : XX/XX/XXXX Legal Fees : {$8.00} Lender Paid Expenses : Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$440.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - Lender Paid Expenses {$440.00} Statement Date :XX/XX/XXXX Property Inspection on XX/XX/XXXX :  {$15.00} Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Legal Paid Expenses : {$450.00} Late Fees Charges applied 4 times on XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Property inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Total : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
After I found out that a credit card issuer pulled a report from Sagestream I immediately contacted them via Fax as mentioned on their website alongwith identification requirements.and requested them to provide a copy and also freeze my credit report. This was sent on XX/XX/2019. After 10 days elapsed and no response from Sagestream I decided to call but was prompted by automated system to leave a message and that they will call back in 1 business day. I waited 1 week for response and repeated the process 4 times at weekly intervals but never heard back. Then I faxed the documents again on XX/XX/XXXX and finally sent a letter via USPS certified mail on XX/XX/XXXX and received acknowledgement of receipt of the letter but still no response. 

In summary, I have faxed twice, called and left message 4 times and sent documentation via USPS certified mail once and there is absolutely no response from the company. It is now 6 weeks from the first time I tried to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
In early XX/XX/2019 I contacted Chase Bank with regards to one specific credit card that I was having difficulty paying. I contacted Chase to see if there was any assistance that could be offered to me in helping to pay my card. I have never been delinquent on any credit card account with Chase or any other issuer. The representative on that day told me that she could help me get on a payment plan that would lower the monthly payment to {$280.00} a month. She said that it would close *that specific card. * I asked her specifically if it would leave my other accounts unaffected because I did not want my other accounts closed and if it was going to negatively affect my other accounts I did not want to do it. She said very specifically that it would only affect my one specific account I was calling about. I was on speakerphone at the time and my wife was listening and agreed we should do it if it would not affect our other accounts. The account was closed and I have religiously paid my payment and my other cards that were still open with Chase every month.

Today ( XX/XX/2019 ), when trying to use one of my other cards, it was declined. After checking why, I noticed that all of my accounts were closed according to Chase. I called Chase to have them explain why they had closed all of my accounts. The representative told me that it was, " because when [ I ] agreed to be on the payment plan [ I ] agreed to have *all* of my accounts closed. '' According to her that is Chase 's policy. I explained to him that the representative had told me explicitly on the phone that my other accounts would not be closed. She transferred me to her supervisor XXXX, who reiterated the same thing and he transferred me to another department where I spoke with XXXX ( badge # XXXX ). XXXX was honestly very snarky at times but explained there was nothing she was going to do and that my accounts would remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing this due to non-compliance with the bureaus ( XXXX, XXXX, and Equifax ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
Calling from different phones numbers to my cell phone and claiming to be calling from a law office. They called from phone numbers XXXX and XXXX ; they never advised on what debt they were collecting, they did not answer me when I asked who they are collecting for, they did not give a dollar amount. Theyre rude and hung up when I asked for documentation. They then called back and advised they are freezing my bank accounts, and seizing my income and properties before court and I will be served for court. & Again they hung up when I advised them to stop calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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:
In XXXX, 2019, I was notified by XXXX that my credit score had been changed from XXXX to XXXX, and to immediately contact the credit reporting agency Equifax. I did so and dealt with an agent in XXXX. I asked why and who dropped my credit score without notification as to why. I went through a number of questions and was told that they couldn't really tell me why. I then demanded to speak to someone of authority and to ascertain what happened. I was ultimately passed to a person who stated that XXXX XXXX had reported me deceased so they dropped my score to XXXX. After all the questioning, the person gathered that she was talking to the actual person and that I was obviously not deceased. They advised me I had to rectify the problem with XXXX XXXX. I immediately called them and was told that Equifax was being less than honest as they showed my account ahead in payments by months and that when a client dies, it is clearly marked on the file and mine was definitely NOT marked as deceased. I then called Equifax back and informed them that the ERROR appeared to be on their end not XXXX XXXX. I was told to then file a dispute and it would be investigated. Equifax sent me a form on XX/XX/XXXX stating that my XXXX account had been " updated '' to show that I was no longer deceased, BUT Equifax still has not updated my credit score. I also called XXXX XXXX back and asked if they had changed my status and they advised they had not because they had never listed me as deceased in the first place. I want my credit score updated immediately. 
I thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: OH

Complaint narrative:
I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH 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 2019-10-18 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: OH

Complaint narrative:
I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX  CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase claims that they sent me a letter on XX/XX/XXXX saying that they would close my account, but I never received that letter. It claims that in that letter, it stated that I needed to call them to keep my account open due to a period of inactivity. Additionally, I am signed up for paperless notices so I receive all my information, including statements, via email. I received a promotional email on XX/XX/XXXX regarding that card saying that I qualify for a temporary, promotional APR from XX/XX/XXXX until XX/XX/XXXX. I enrolled that same day and received a confirmation of that enrollment, and began using my card again. I used my card until it expired at the end of XX/XX/XXXX, when I anticipated receiving a new card. When I saw nothing in the mail, I looked at my account on XX/XX/XXXX and saw that my account had been closed. This account has been open 6 years and 4 months and it is helping me build credit. My credit score will go way down and I am just starting to get on my feet and make money after being in school for long. If I had received the letter, or the information in an email, I would have acted fast, as I did for the promotional rate. It is unjust for Chase to have sent me a paper letter knowing I signed up for email notifications, and so even if required by law to submit a mail letter, Chase should have also notified me via email as I had anticipated. I thought everything was fine with my account when I activated the promotional APR, I had a false sense of security that everything would be at least fine until XX/XX/XXXX. This deceptive, unjust tactic is false and misleading, and I am extremely disappointed. I tried calling customer service on two separate occasions and everyone says that there is nothing that can be done. Please help.

Company response to consumer: Closed with non-monetary relief