vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 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: CA

Complaint narrative:
What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NY

Complaint narrative:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX :  XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NY

Complaint narrative:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/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 2019-06-30 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:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/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 2019-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macys had a glitch in there system on XX/XX/2019 and charged my card for an order I never placed. Called them several times even went to store and sat with store manager proving that item was never purchased. My credit card is {$340.00} over the limit now. They told me if would take 2 months to fix problem. I have spent days trying to resolve the problem. Macys credit does not care. I got notification my credit score went down 30 points for being over my limit. Macys needs to resolve this problem. There unwillingness to repair the damage they have done to me is distresssing.

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 2019-06-30 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:
There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/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 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our mortgage loan was serviced by Shell Point Mortgage Service, They were collecting money for the mortgage and escrow account to pay for Taxes and Insurance. 
For yearXX/XX/2018, taxes were due to the City and the County. They did not pay the taxes per the escrow agreement on time. 
In XXXX, we received delinquent tax statements from the County and the City.  We contacted Shell Point. They indicated that the taxes are our responsibility and we have to pay it, although they were collecting money for these taxes and our escrow account had more than {$20000.00} to pay for the taxes. 
In XXXX, we paid the taxes with the late fee penalty that resolved the issue with the county and the city. Shell point sent us a letter that they missed the payments due to an error on their behalf and apologized for the error. 
In XX/XX/XXXX the mortgage was sold to XXXX XXXX XXXX XXXX  with the escrow account. XXXX XXXX XXXX reimbursed us back the taxes we paid from our escrow account. As to the paid penalty, XXXX XXXX XXXX indicated that they were NOT handling the account in XX/XX/ and they are not responsible to pay the penalty and we should contact Shell Point. 
We have been sending Shell Point emails and receiving responses apologizing and to contact XXXX XXXX XXXX about the penalty issue ( Although XXXX XXXX XXXX has nothing to do with it because the penalty incurred when Shell Point was servicing the escrow account ). 

We asked them to pay us the penalty that we paid XXXX {$1000.00} XXXX, and till now we only get apologies and to contact XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received in the mail on XX/XX/2019 a very terse letter letter saying my checking and savings accounts will be used on XX/XX/2019. 
no reason at all. 
I have not had bounces at all, i keep a balance in my savings account to cover overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NY

Complaint narrative:
There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 3 )  XXXX - Card Service - {$0.00} on XX/XX/XXXX 4 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 5 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX   XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/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 2019-06-30 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: NY

Complaint narrative:
There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX   - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX  XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX   XXXX - on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Trans Union credit report is showing an account to be open with a balance that was included in my bankruptcy. The account in question is XXXX. I have tried to dispute this information with Trans Union on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time they verify that it was included in bankruptcy but the account still shows open with a balance on credit report. Is there any steps that I can take to make sure that my credit report is accurate?

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 2019-06-30 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 have spoke with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX regarding this debt-the obligation is not my debt. The debt was incurred solely by my wife while I resided elsewhere. The property was not in my name-she is/was sole owner. I have filed objections several times with the credit bureaus and no action.

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the documents attached below provides information about a job employer who requested my credit report during a screening. This request should not show as a hard inquiry on my credit report, as this is not a lender. Please remove this hard inquiry from XXXX Police Department that was done on XX/XX/XXXX and XX/XX/XXXX. This should be shown as a soft inquiry which does not affect my credit score. It should not be shown as a hard inquiry as I observed on my credit report. After doing research and getting information from bureaus. An employer doing a background or credit check should not be listed on my credit report as a hard inquiry. Every year this employer is required to do a credit and background check on all employees. Therefore it will be a lot of yearly inquiries, but shouldnt be hard inquiries or shown to anyone seeking my credit file. Please do not add this employer to my credit file, as this is a federal company and private company. I also do not want my employer displayed on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have two loans. One with Navient and one with Navient DOE ( Dept. of Education ). In XX/XX/2019 Navient DOE moved their payment address to XXXX, Oregon, from XXXX, GA. Since that time both Navient DOE and Navient ( XXXX XXXX, PA. ) have said they are not receiving my payments. I have sent check after check, ( to ensure payments are made and technically overpaying ) and still they are not recording my payments. I am getting 5 robo calls/day, and calls from various phone numbers claiming to be Navient/Navient DOE. I believe they are getting the checks, holding them and charging late fees. I have called repeatedly to clear this up, sent in documentation and have even had my bank call them. I am now photographing each check before I mail them. I owe more now than I did when I took out the loans and I am paying over XXXX/month! I have repeatedly asked them to send photocopies of my checks for verification but they refuse. By the way, Navient and Navient DOE are using the same account number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
A collection agency called Diversified Consultants out of Florida keeps placing a collection on my credit file for an XXXX XXXX account. It doesn't show a balance or a date. They have done this twice in the past and I have gotten them to remove it because I've never had an att uverse account. I had XXXX internet years ago that I dont owe anything on. I paid the account and returned the equipment ( which XXXX lost and tried to bill me for and I had to provide a tracking number ) I dont owe any XXXX XXXX  account. I'm trying to by a house and about to close and now they stuck this fraudulent collection on me and it will cause me not to be able to close and cost me thousands in appraisal and inspection fees. 

Please.for the love of God do something about these rouge companies doing whatever they want to collect money and get commissions. They monitor credit inquiries and slap collections on right after as a ploy to force people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: I.C. System, Inc.
State: OH

Complaint narrative:
Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One has ignored all request to clear out a fraudulent debt in my name. I had to wait 17 months while the XXXX finalize their police investigation to resolve fraud and identity theft that happened in my name over various credit card accounts. Capital One needs to honor their Zero fraud liability policy that they haven't enforced under my name. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Penn Credit Corporation
State: OH

Complaint narrative:
Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi refuses to abide the laws under the Fair Credit Billing Act section 103 ( f ) of the Truth in Lending Act ( 15 U.S.C. 1602 ( f ). They have sent mailed responses assuming that I am responsible for debts that were a result of fraud. They have received police report numbers and fraud claim affidavits detailing the cards were not in possessions and my cards and house including personal property were overtaken during a period of time by criminals. 

Citi failed to honor the zero liability policy for fraud and assumed me for the responsibility which is false.

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on date XX/XX/XXXX I request Experian, one of the major credit report agency in USA, a free copy of my last year credit report or for the year ending in XX/XX/XXXX. I am full of adverse surprise due to the following entries, on said report from Experian, on the heading of this report I was included of having eleven names, eleven addresses, and five other records including 28 accounts and six hard inquiries. among the names that Experian has ascribes to me is XXXX XXXX  XXXX. I want to remind this company that in the beginning of year XX/XX/XXXX when I just moved to the Citi of XXXX XXXX from XXXX, NY. Experian published an adverse report against me, I reject that wrong report, few months latter I receipt a letter with a simple apologize from the company but I lost monies, the interest rate on my deb went up due to this adverse report. Now one more time Experian published an adverse and inaccurate credit report against me this time with the possible complicity of XXXX XXXX Bank  and some of its subsidiaries, on the recently credit report against me XXXX XXXX bank   disclose as its name XXXX XXXX and it has been omitted XXXX XXXX XXXX XXXX XXXX the institution responsible of the custody of my interest deposited at the XXXX branch this bank is doing impossible moving in order to evade its responsibility on my case, the bank has transferred most of the potential witness, it has make a lot of document update, post date letter, on XX/XX/XXXX or XXXX of XXXX made new partnership with one of the company the bank said paid my money and this credit report which look at my the bank is trying to avoid that I refinance my home or take equity loan on my home that I have paid during sixteen consecutive years, never have skip a payment never late, even those XXXX XXXX bank has vulnerate my account which has impede me to pay off my loan mortgage and to continue my small business activities I an ready to continue working at my 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 2019-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
Acct opened XX/XX/2016. Paid for one year no late payments, engine siezed and i was directed to have car towed to a shop of my choice and repairs were to be paid for by reliant financial in which case i would pay for at the end of my term. Mechanic was never paid or contacted by reliant and my car was towed and i never heard anything else about the verbal agreement i was offered. My loan was charged off yet my highest balance per XXXX  states {$0.00} as my highest balance. Account is at {$6400.00} dollars allegedly. I lost my job due to this breach of contract by reliant financial

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Two months ago, I made an extra payment toward principal. My servicer, Nelnet, has a check box that says " Do not advance due date '' if you want to make a payment toward principal. I selected that box. They did not apply it toward principal and instead advanced my due date. I called and they corrected the problem and told me they corrected it for future ones too. 

A month ago, I made another extra payment toward principal and again selected the checkbox that says " do not advance due date. '' Again, they advanced my due date. 

They are systematically disregarding the " do not advance due date '' checkbox, which requires me to call each time. I have no idea if I am being charged interest in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ascension Recovery Management
State: TX

Complaint narrative:
I went to apply for an apartment and the management company was Ascension Management Co.The leasing representative told me I had an outstanding balance of XXXX due to an eviction. I advised them I have never leased an apt . regarding this management company. They gave me the name of the property. I called and I spoke with Asst. Mgr and was told there were a lot of ppl that called due to fraud regarding a asst. mgr was using people info for apts. I was told to call Ascension and no one has returned my calls for over6 months to get this straighten out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: MN

Complaint narrative:
I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.

Company response to consumer: Closed with explanation