vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 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: NV

Complaint narrative:
XXXX, an online retailer, has me opening a XXXX Credit Card XX/XX/XXXX and closed XX/XX/XXXX. They also have an account with my name on it XX/XX/XXXX and closed XX/XX/XXXX. I have never charged on this account as I have never had a card. I have called the company to have them delete a wrong account a few times and they said they would, but they have'nt I've called their home office XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is XXXX. I also want to know why my scores are different from each report. I call and no one can tell me why my points dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I am trying to remove myself from a joint savings account that I am on with my ex-husband. I am being told that I do not have authority to do so without his signature. He will NOT cooperate. I do not need the account closed I just need to be removed before he stacks up fees that I will be liable for because he will not pay fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: DISCOVER BANK
State: FL

Complaint narrative:
I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: NJ

Complaint narrative:
I purchased a vehicle in XXXX of 2018 and acquired a loan through XXXX XXXX XXXX. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to XXXX XXXX XXXX. 

My credit report now shows that I have two open vehicle loan accounts with XXXX XXXX XXXX : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.

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 2019-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX US Department of education XXXX XXXX XXXX XXXX - XXXX credit card Plus XXXX XXXX credit card

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 2019-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On approximately XX/XX/2018 Trans Union took 38 points off my score. I've called them many times and no one can explain why. I have never been late with my creditors and have an excellent rating on my payments. my utilization rate is good and with all this my Trans Union score is only fair. What causes this injustice? 
.

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 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OR

Complaint narrative:
My Discover Card statement ending XX/XX/XXXX has a credit balance of - {$220.00} as stated in the Account Summary. In addition, words at the bottom of the statement say " Your account has a credit balance. No payment is due '' On the statement ending XX/XX/XXXX in the Account Summary it shows the previous balance of - {$220.00}. However, they added that amount to debits owed instead of as a credit. The bill says I owe {$210.00} when in fact they owe me {$370.00} I called and talked to XXXX in billing and when I asked for a manager he lied and gave me another billing agent. Neither one could help me and the last agent XXXX said a billing manager is not available. They will not admit the Account Summary is  incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover personal loan They send me offers then didnt give me the loan base on old information on my credit report Plus XXXX personal loans They offering and make you apply then said Oh we sorry we couldnt approve at this time Like its wrong every one deserves a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have old accounts on my credit report that is been pay off and close plus way to old to remain on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have called several foreclosure specialist in the past 6 months and sent messages to Wells Fargo and they come back to me telling me to contact the foreclosure specialist. 
This should have ended a long time ago. I talked to various people there and they said they would get back to me but nothing happened. 
Someone last week told me to contact XXXX XXXX?????? as my house was made or formed by their company????? 
I stopped calling them 3-4 days a week because nobody called me back, I did get a call from an XXXX but did not catch his last name. 
He said a large envelope was sent to me in the mail, i said i did not get anything like that. Every week or every other week i get a 2-3 page letter telling me they are still working on my situation. My only income is social security. If i had a few XXXX dollars to move everything and some extra maybe it could happen!!!!

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 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I purchased two pieces of furniture and the service to have them assembled and installed. In the course of installation the technician caused intentional and extension damage to the wood floor of the bedroom where the work took place. It was apparently out of frustration for having to work alone on the day in question, whereas he typically has an assistant to support. The cost of replacing the wood floor exceeds the value of the furniture and services purchased. The merchant was unhelpful and refused to acknowledge the behavior of their employee. I disputed the charge with my credit card provider in order to recover the funds and use them towards the replacement of the wood flooring. The credit card provider, Chase Bank, concluded in favor of the merchant without performing a proper investigation. On XX/XX/2019 Chase informed that they had completed the 'investigation ' and determined that the charge was valid because " We can't confirm you're due a credit because we don't have a 2nd opinion letter from a different merchant showing how much it would cost to repair your damaged wood flooring. '' Chase had never requested such information in the course of the 'investigation '. I called Chase to inform the Disputes Department of that fact, and I was told that the case would be re-opened so that a proper investigation be performed. Subsequently, on XX/XX/2019 I received a letter stating once again that the investigation had been concluded, but the reason had simply been adjusted to remove the claim of 'missing information ' that had never been sought. ( All relevant letters are attached to this statement. ) This is highly concerning that a major credit card provider is feigning the handling of dispute investigations and finding in favor of retailers without seeking the necessary facts from the consumer. I have made repeated requests to Chase to re-open the dispute and receive the information needed to make a reasoned judgement. Chase has refused to do so, and does not appear prepared to receive information on the consumer side of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX credit report Equifax credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion credit report XXXX credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX credit report XXXX credit report Experian credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

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 2019-05-12 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/2018my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/Bridgecrest refuses to take this vehicle off 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 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
RoundPoint Mortgage Servicing Corporation is ( 1 ) wrongfully force placing insurance ( 2 ) charging a fee even when we prove that insurance has always been in place ( 3 )  attempting to attach other assets we own. 

Whether this is a systems issue, or an intentional issue is difficult to know. 

They actually pay the insurance we have out of an escrow account they manage ; and yet claim no insurance exists, force place insurance, and then when we send the insurance to them that they should already have, they only return a portion of the premium they force placed. 

Additionally, they have claimed to be an insured on other property we own that they have zero interest or loan on for two consecutive years.

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 2019-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I went to XXXX looking to purchase a vehicle. I decided on a XXXX XXXX XXXX that had nearly over 100,000 miles on it. I was told by the salesman that I after making 6 months of on time payments I would be able to refinance my auto loan for a better interest rate. After 6 months of on time payments I was denied the ability to refinance my car loan because the vehicle had over 100,000 miles on it. I believe I was sold the car just to make a sale and I've been stuck with paying {$20000.00} in interest a vehicle that is 10 years old. I reached out to Santander who my auto loan is financed through on several occasions. Initially, when I attempted to refinance my auto loan I was told by Santander that they do not refinance auto loans which left me devastated because this is not what I was told by the XXXX salesman. Current Loan Details APR 28.68 % Monthly payment {$420.00} Total interest {$19000.00} Total principal ( the car ) {$4100.00} Total loan {$15000.00} Total term 81 months Loan holder Santander Consumer Usa

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: CA

Complaint narrative:
On XXXX XXXX, 2018 my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX.XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/XXXX  refuses to take this vehicle off 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 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/2019 after many calls from Diversified Consultants I asked if I could settle the debt and have it deleted from my credit report. The associate told me this would happen and once paid my credit report was only updated to {$0.00} and this account is still on my report. I have even called the company back and asked for copies of the call and all the manager told me was that the representative never said they would delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX is constantly pulling my credit report without my permission as a hard inquiry. I received my credit report from all three credit bureaus. I spoke with Equifax and send them a certified letter and told them that my information has been hacked. That the inquiries that they have on me is wrong. I have not applied for any credit. I call XXXX XXXX and All the other inquiries on my report and they told me that they did not run my information and that they have no information on me. I ask Equifax to remove all of the Hard inquiries that they have on my report and show and send me documentations of what they have. They told me no that they can not remove it. Equifax is letting any and everybody run my credit and not verifying anything. My credit score has drop and making it hard for me to make it. I was and still a victim of identity fraud. Every since people information got hacked from Equifax my life has been a living XXXX for 10 years. Equifax has messed up my life. I have told them in writing by a certified letter and have spoke with them about this and they refuse to do anything about it. I am trying to find a federal attorney if one available I am here ready to move forward. 10yrs I can not take anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Original Creditor : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ms XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: Professional Recovery Management
State: TN

Complaint narrative:
Dispute made, it went off my report since it was incorrect, then showed back up again, lowering my score. Both of these accounts are errors!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Negative Credit reporting by the company for a debt that I do not owe.

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 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I Lose my job and they close my account, since XX/XX/2017 now they said that i own a {$4500.00} to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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:
There's errors reporting on my credit report from misrepresented data in light of the three ( 3 ) major credit bureaus and their faulty verification system. I was told that these accounts inwhich I'm disputing, ( # 1 ) XXXX {$940.00}, ( # 2 ) XXXX XXXX XXXX, and ( # 3 ) XXXX XXXX XXXX {$1000.00}, all been verified. However, as a general rule of law electronic Verification can not be accepted as proof of any sort. Therefore, I'm demanding physical documentation and a Method of Verification used in this investigation process, or as stated within the FCRA these accounts shall be removed immediately and permanently. As a consumer and a victim I have the right to know inwhom your company representative spoke with, name, title, day, date, and by what means of communication. Please provide me with all the above or as stated within Section 609, block these accounts immediately.

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 2019-05-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I lose my job and i couldn't make the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I received a notice dated XX/XX/2019 from Bank Of America that they are closing with 21 days my checking and savings the 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