vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 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: I.C. System, Inc.
State: WV

Complaint narrative:
A company called " I C Systems '' reported a delinquent account to credit agencies. My credit report ( XXXX ) now shows a negative collections item reported by XXXX XXXX XXXX XXXX. The original creditor is listed as " XXXX '' and carries a balance of {$130.00}. This is NOT my debt and I believe this is some type of " blanket '' collection attempt, or perhaps fraud on the part of 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 explanation
Consumer complaint received 2019-02-02 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: AL

Complaint narrative:
( 1 ) On XX/XX/2018, a XXXX XXXX representative ran a credit application without my consent, which caused me to have an unauthorized inquiry on my credit report. I contacted XXXX XXXX, they did their internal investigation and confirmed that the application was unauthorized. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 

( 2 ) On XX/XX/2018, someone opened a XXXX cellphone account in my name. the phone was sent to me. I contact XXXX and informed them of the issues and indicated that I did not attempt to open a new account with XXXX. The cellphone was returned as instructed and after they completed their investigation they too confirmed that the account was a fraudulent account. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 


I have filed disputed with Equifax at least XXXX times regarding these issues and attached copies of the documents that were forwarded to me from the above companies to use as proof, but Equifax refuses to remove the inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX my husband and I contacted XXXX XXXX  XXXX to purchase a truck. We have purchased several trucks from them. On XX/XX/XXXX, my husband and I contacted XXXX XXXX  XXXX and agreed on a vehicle we wanted to purchase with our trade in. We made an appointment to go to the dealer on XX/XX/XXXX. We ultimately purchased the vehicle on that Saturday, XX/XX/XXXX.  Upon reviewing my credit report, I learned that XXXX XXXX XXXX had made an inquiry into my credit report on XX/XX/XXXX. This was prior to : 1 ) walking into their dealership. Communications were by email and phone ; and 2 ) Signing any documents allowing them to pull my credit report for financing purposes. I believe this practice is illegal. They had our information due to prior purchases at this dealership. However, until documents are signed, I believe that they do not have the right to look into my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED YAHAMA IN A COUPLE OF OCCASIONS. THE MONTH XXXX  XXXX AND XXXX MY CREDIT KEEPS GETTING PULLED BY YAHAMA BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 

1. Please confirm the last date reporting or updating account details to each credit company.

2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Seterus, Inc.
State: GA

Complaint narrative:
I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and 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 2019-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: NY

Complaint narrative:
Equifax is discriminating against my credit report! Equifax REPORT my credit card account that was PAID IN FULL. I want a American Supervisor at Equifax to look into this! XXXX XXXX  XXXX ACCT XXXX NOT REPORTING ON MY CREDIT REPORT. This is very simple report my paid off credit card on my report ASAP! Your company has defamed my reputation and is not following the law. I have sent numerous letters costing me money only to be ignored by your company because Equifax is having other countries handle Americans credit report! FIX THE ERRORS The State of the FDCPA in XXXX As we move into XXXX, the law remains a strong protection for consumers, however, at over 40 years since inception, it is showing its age. For example, the fine for violations remains the same {$1000.00} it was in XXXX. Had that amount kept up with the rate of inflation, the fine should now be over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have no acct w/ cap one yet they have been calling me 2-3 x's/day for over a month. I answer they hang up SO I called 6 seperate times to remove me number yet they still call. I am on limited plan & was overcharged, I'm sorry I'm broke & XXXX & haVing to pay an extra {$20.00} may not seem like much but to me I struggle with Nicole 's & dimes. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: FL

Complaint narrative:
I have an active extended feud alert and the inquiries keep appearing on my file. Please remove immediately as I've locked my file Experian : XXXX XX/XX/19 XXXX/XXXX  XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX  XX/XX/19 XXXX XX/XX/19

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 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After a payout from my divorce on XX/XX/XXXX I received a phone call from the Chase Branch in XXXX XXXX to tell me I qualified for as a Chase Private Client ( although at the time my balance was tens of thousands of dollars under the qualifying amount for this status ). I went to the bank and and they organised this change in status and switched all of my accounts over accordingly ( that included my going from an entry level checking account to an account which has no fees as long as there is a minimum high balance or other qualifying events associated with my accounts which this large deposit suddenly made me eligible for ). Several months later I decided to move most of my money to retirement investments and around six months after I qualified for the Private Client status, I received another phone call to tell me I was disqualified from Chase Private Client for not having a high enough balance in my Chase accounts. I had to return to the bank and have my accounts switched back to regular accounts becasue my low income and savings meant my minimum balances would generate fees. This was all taken care of by the person who was managing my Chase Private Client status. I have since had to purchase check books and so on for this account as anyone would with a regular account. Given my salary and savings, and after transferring my funds into my retirement, if I were to walk into the bank I would not qualify for this account. 

I did not realise, until today, that the bank for some reason did not change my checking account back to a regular entry level account when they took away the private client status and changed my savings account. I have been charged $ XXXX/month for my checking account becasue they funds have been under the minimum $ XXXX. I had no idea that they skipped changing my checking account when they changed my savings and happily took me out of their program ( for which I stopped receiving any benefits from back when I lost the status - i.e no free check books etc ). I called chase and they offered to refund 2 of the payments. I believe the bank should refund all of the payments of {$25.00} they have removed from my checking account since they made the error back in late XXXX. They said I should have read the fine print on every monthly statement becasue the conditions of my account are written in there. I was led to believe I had been switched back to my regular entry level account that I had before they changed it. 

I would like to initiate a claim for these {$25.00} payments. I believe the bank made a error and are are trying to mislead me into thinking it was my fault by trying to blame me using the " read the fine print '' line. It doesn't hold up in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Hard report from Florida about airlines and i have never used that service nor have i been in florida, and i didnt search or put any of my information on any on-line or calling about Airlines. And also one for a walmart hard report. all done in XX/XX/2018

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a chase XXXX XXXX card ( {$450.00} annual fee ) and utilized my points to book a hotel reservation ( worth ~ {$250.00} ). When I went to the hotel, they charged me for the room and billed to my credit card, even though I had paid for the entire transaction with my points, which were deducted immediately from my point balance. What makes the {$450.00} annual fee for this card somewhat tolerable is the {$300.00} annual travel credit you receive towards travel purchases as they appear on your statement ; however, this process is automated. When I was billed ( incorrectly ) for my hotel that I paid for with points, the expense was automatically accounted for in my yearly travel credit, consuming {$250.00} of the {$300.00} for which I am eligible to receive credit on travel expenses. I have now spent ~3 hours of my time on the phone with chase customer service and travel, who originally said they could reset the travel account so that I wasn't penalized for the incorrect charge ... they have yet to do so and now claim that they are not able to reset the travel credit since it is " automated. '' At the end of an additional ~1 hour phone call with them, when I asked to investigate and review the previous calls that they claim are " recorded, '' while in the process of initiating the claim, they dropped my call and have yet to call me back. I am very unimpressed with their customer service, marketing, and all around with my chase XXXX XXXX card experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I opened an account through XXXX XXXX XXXX with Synchrony Bank.  I have been paying them through XXXX bill pay. On XX/XX/19, I had my monthly payment drafted out of my account and they're saying they never received it, added a late fee and have since reported it to the credit reporting agencies. I have given them all the information they're needing and they're still calling me about it.

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 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: OK

Complaint narrative:
My bank here in XXXX, Ok charged me a XXXX fee for funds transfer to bank of the west. When bank of the west received the funds transfer they charged me a XXXX fee. I tol+++++++++++++++++++++++++++++++++++++++++dbank of the west to close my account and they told me they could not close it. If I send another funds transfer my bank will charge me another XXXX fee and bank of the west will charge me another XXXX fee. I just want this bull XXXX account with bank of the west closed. WITHOUT reporting to XXXX or ruining my credit

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 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had submitted an immigration related application to XXXX and paid the fee through my checking and routing numbers. At the time the application went through. 

However, 3 days later I received a notice saying that my application was rejected because my bank had refused to pay the fee. The fee was XXXX while I had almost 1800 in my account. 

This is a pattern with the bank where they have been rejected payments without consulting or notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
The agency has reported a {$660.00} account to my XXXX  and XXXX  account and they're not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had been a XXXX XXXX XXXX customer for years and always was on time with my payments. I always made on time payments. 

I have a few car accidents on me which made things difficult for me at work and as a result I lost my job. 

My last purchase was about {$50.00} and due to life hardships, I was unable to pay my last balance of only {$50.00}. 

I started to received very intimidating calls in behalf of this balance and was told that I needed to speak to a lawyer and that they will take legal actions. 

Unfortunately, I was unemployed by this moment. 

Since I had 3 car accidents things got very complicated financially and couldn't afford to pay this debt. 

As a result, they started to report my debt and the balance went from {$50.00} to over {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that CARRINGTON MORTGAGE SERV has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current sinceXX/XX/XXXX We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current onXX/XX/XXXXmonth with a check mark and current. 
Thank you for your time and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Informative Research
State: FL

Complaint narrative:
I have been turned down many times. My husband and I have the same name and XXXX XXXX doesn't believe us. No he has pasted away and still have people looking for my deceased but using my name doing it. I have many companies going into my account for information I don't know. I just got my report in many years as I was turned down my one company in Texas after reviewing your report at XXXX as their reason for declining me. I would like all my inquiry 's removed as I don't know up to 99 % of any name I saw on my report.

Company response to consumer: Closed with explanation