vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CT

Complaint narrative:
This collection agency represents XXXX, in order to do what they want, I would have to violate XXXX laws, by climbing on a roof, and risk electric shock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
My collections from benefits were paid by insurance. I also disputed several reports and they said it would be removed but its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I contacted Chase about refinancing an ARM loan for a Second home. Only after I was asked to send my W-2 and tax documents through an unsecured email and after a hard inquiry on my credit was I told because I rented the property in 2018 that I could not it as a second home even though I do not have renters and am not holding the property out for rent. A manager also informed me that I could not apply to refinance my second home because it was an investment property if my parents stayed at the home where I paid the mortgage. This seems wrong to me. I only received this advice once I disclosed my sensitive personal information and my XXXX background. I was encouraged to withdraw my refinance application or be charged an exorbitant rate. Something seems wrong here, including the companys statements about classifying my home as an investment property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
On XX/XX/19 I entered into a repayment agreement with Barclays to pay $ XXXX/mn on my account. I paid them {$160.00} on XX/XX/19 & set it up on an auto pay for the XXXX of the month, when the bill is originally due. I made sure to specify they were to take out $ XXXX/mn only. On XX/XX/19, Barclays not only withdrew {$1000.00} from my checking acct, but they set up their own auto pay in the amount of " other ''. On XX/XX/19, I received a notice from my bank that I had used the overdraft on my account. After investigating, I saw that Barclays had removed the {$1000.00} without my consent & had set up an auto pay of their own to be withdrawn on the XXXX of each month in an undeterminable amount. I immediately contacted Barclays. The customer service agent told me that I had set that auto pay up & authorized the withdraw of {$1000.00}. I talked to XXXX, a supervisor, who advised me that it was a computer glitch. She said it would take 25 days for them to investigate. I contacted my bank, talking to XXXX. She started the process of disputing this withdraw, saying it would take 10 days. On XX/XX/19, I received the {$1000.00} back into my account. Barclays shows the transaction on their end as " an unauthorized cash advance. '' While I have received the funds back, I have been charged with overdraft fees in the amount of {$180.00}, late fees from the gas company, mortgage company & a couple of credit card companies as well as return check fees from the same companies. This would not have happened had Barclays not removed the funds from my account on XX/XX/19. I removed my bank account from my Barclays account. I received the email confirmation for the {$160.00} auto pay AND for another auto pay with the amount " OTHER '' where the payment would be.

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 2019-08-12 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I obtain a Mortgage with wells Fargo in XXXX. In XXXX of XXXX they sold the Mortgage to another Mortgage company. But before doing so they reported a late payment on my credit report for the month of XX/XX/XXXX. I have never been late on my Mortgage payments. I have reached out to them on multiple occasions but continuously hear that my late payment is valid. It is not!!! I sent an email to XXXX on XX/XX/XXXX. They still have not corrected this error.

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 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
AMERICAN EXPRESS credit card offered promotion for 1 year then once I spent the money they abruptly canceled the card and started charging interest right away as well as canceling reward points accumulated for purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: SC

Complaint narrative:
XXXX XXXX is reporting something on my credit that does NOT belong to me! I applied for a credit card with XXXX XXXX BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a XXXX XXXX credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with Equifax and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at Equifax by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX  All three credit bureaus have receipts of payment made prior to 1St but still have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
hello i have been using paypal credit card 2 % cashback and i have paid all of my bills on time. this month my statrment blance payment due date was on XXXX XXXX. i made 3 seperate payment.one payment of XXXX $ on XXXX XXXX. one payment of XXXX $ on XXXX XXXX and one payment of XXXX on XXXX XXXX the exact due date. the total payments i did is XXXX that is slightly more than the balance i had that was XXXX. 
i had an autopay activated on the acc also.but on XX/XX/XXXX i found out that they have chrged my checkking account TWICE and closed my account right after and charged me interest and rejection fees!!! i was somewhere with my family outside town when that happened and it cost me a lot of stress and money because i couldnt pay my expenses.!! i asked them about that and they said it was a system glitch but they cant do anything. i asked them to reopen my account and they said they cant and they are gon na report to credit bureus that the account is closed due to return payments!!! i called them twice and they put me on hold for about an hr each time. 
can they do whatever they wan na do to me without any supervision sir? 
i just want you to know what happened to me and that wasnt fair to me and they have to be responsible for how they treat their customers. 
thanks

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 2019-08-12 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
JC PENNY is reporting something on my credit that does NOT belong to me! I applied for a credit card with JC PENNY BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a JC PENNY credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with XXXX and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at XXXX by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the XXXX  and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to XXXX  but still have not removed.

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 2019-08-12 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:
one of the people whXXXX XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to 1St  but still have not removed.

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 2019-08-12 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: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: MO

Complaint narrative:
My identity has been compromised and not only that I was a victim of the XXXX   data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. 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 2019-08-12 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: I.C. System, Inc.
State: CA

Complaint narrative:
Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my 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 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX is purposely reporting my student loan with TransUnion, XXXX, and XXXX in a negative status. XXXX is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with XXXX was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years XXXX still reporting negative on my credit reports. I am furnishing proof of my complaint against 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 2019-08-12 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: MO

Complaint narrative:
My identity has been compromised and not only that I was a victim of the Equifax data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: MO

Complaint narrative:
My identity has been compromised and not only that I was a victim of the XXXX data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXXt

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 2019-08-12 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: Universal Recovery Corporation
State: CA

Complaint narrative:
Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my 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 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have two student loans on my account with says im delinquent however the student loans were transferred which have ive been paying off and is in good standing. This is effecting me badly. Department if edu/naviet which was open XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TX

Complaint narrative:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX 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 explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

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 2019-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 explanation
Consumer complaint received 2019-08-12 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: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
Nationwide recovery systems are reporting on my credit report and I'm not familiar with this company or owe them any money or have a contract with them.

Company response to consumer: Closed with explanation