vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 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: TX

Complaint narrative:
The accounts below are not mines. i have disputed for more than 7 years and nothing has been done. These accounts were removed from my other reports but remain on this one. 

1. XXXX XXXX XXXX  {$0.00} Paid, closed 16 charge-offs 2. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 63 charge-offs 3. XXXX XXXX XXXX   {$7600.00} Paid, closed 72 charge-offs 4. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$31000.00} 0 % paid 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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a credit card that was applied for around XXXX which was originally " Air Tran ''. 
I am not sure which year ... but it was taken over by XXXX and Chase Bank. I had a balance on it through " Air Tran '' that was under a promotional rate of 3.9 % until it was paid off. During the time that I was paying down the credit card ... I never used the card for purchases. I had paid the credit card off in early XXXX. I still did not make any purchases and then in XX/XX/XXXX ... I see a {$39.00} charge. When I originally applied for this card ... there were no fees. Because I did not make purchases ... I never reviewed my statement as I just continued to make the minimum payment ... for many years. After reviewing my previous statements, I realized that they have been charging this fee since XXXX. I immediately cancelled the card. ( I had a XXXX limit on the card ) They waived the {$39.00} fee for XXXX but refused to waive the fees from the previous year. I was never given any proper notification ... no email ... nothing in the mail. I want my {$78.00} back. I asked them and they refused. I am assuming since Trump took over ... the credit card companies are back to their old ways. They started charging the {$39.00} years after they took over the credit card. They are a big bank making big money off of the little guy!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the public record item below. I am requesting it be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX  RECORDER OF DEEDS {$3800.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts

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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts

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 2019-12-23 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: AES/PHEAA
State: MA

Complaint narrative:
The student loan was made XX/XX/XXXX for {$45000.00}. I've been paying the loan as scheduled for 10 years. On XX/XX/XXXX I received a statement confirming I paid {$24000.00} and principal satisfied {$11000.00}. but the current balance was {$43000.00}. I call AES for an explanation and was told all the interest was compounded and applied on XX/XX/XXXX. Under this scenario its impossible to repay the loan. I feel the lender, AES, has not applied the interest properly and has misrepresented repayment of the loan. I'm on a 60 day deferment program and would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
HSBC, It seems that they were connected to XXXX XXXX XXXX XXXX and neither company fail to satisfy or release a lien on property at XXXX XXXX XXXX. pa XXXX. 
In failing to this my Title Search came up with a large amount of money owed and something that shouldn't of been overlook, Either this was with a refi or transfer or bought. I'm in the process of trying to sell the property and was told that I needed aLetter of Satisfactory or a Corrective Lien Release in order to move forward. I missed one settlement day schedule for the XX/XX/XXXX I have a new date for XX/XX/XXXX and if either one of these companies can assist in a Satisfactory Letter this would so be appreciated and error made correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been trying to add this positive account myself for 2 years with no help on my own, several overnight envelopes sent to 3 credit bureaus with no luck just money wasted and i asked the company to report for me and they wont report the information that i paid my car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been trying to get this debt settled and closed off my credit for years now and i finally got XXXX  and XXXX  to remove debt but TRANSUNION is being stubborn and wont help me remove off credit and is holding up house process. Ive did everything i can think of.

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 2019-12-23 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: FL

Complaint narrative:
ive been working back and forth calling emailing faxing and mailing in information to transunion regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ive been working back and forth calling emailing faxing and mailing in information to XXXX regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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:
ive been working back and forth calling emailing faxing and mailing in information to XXXX regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

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 2019-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On XX/XX/2019 I submitted a credit bureau dispute online with Transunion. In XXXX ( around the XXXX ) I logged in to check the status and it showed investigation was complete and that I would receive the results of the investigation. On XX/XX/XXXX I had still not received the results so I logged back in to Transunion and it is showing as investigation cancelled. I contacted them and they are unable to tell me why it was cancelled or offer anything except for that I would have to refile the dispute. This was already my 3rd attemt at refiling the dispute. Under the FCRA I want this information removed from my report. They have not complied with the requirements of FCRA in regards to timeliness of investigation, notice of results, or anything else.

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 2019-12-23 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: DISCOVER BANK
State: WA

Complaint narrative:
So I received a 1099- c for tax year 2018 but DISCOVER keeps reporting the account every single month as past due. Date of first delinquency is incorrect, balance is incorrect payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I opened my account with Bank Of America credit card XX/XX/XXXX. I have 5 late payments still showing on my credit report and it's hurting my score. The account is paid in full and closed. The dates of late payments showing on my account are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-12-23 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:
Bank assistant told me going to be Soft Inquiry. 
I got email as Hard inquiry. 
Bank assistant lie to me about this to pull my credit report as hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Today, XX/XX/19, I received a letter in the mail stating that I had been sued and judgment had occurred. Not to mention stating that I will be arrested and incarcerated if I do not fill out the information subpoena. From what I understand, the law firm of Presser, Felt & Warshaw, formerly known as Pressler & Pressler, prefer to use unfair tactics when it comes to debt collections. No summons was received neither from them nor the court. Not by regular mail or certified mail either. No communication from their side, even if you call, you're placed on hold and then hung up on. You can't attend a hearing if you are unaware it is taking place, nor can you come up with a payment plan if the other party is unwilling to corporate and have proper communication. I have worked with other debt collector law firms, worked out payment plans, so I'm aware of my rights as a consumer and as someone in debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Date of first delinquency is incorrect, balance is incorrect payment history is incorrect. NEVER had a contract or any agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I XXXX XXXX sent a dispute letter ( certified Mail ) to Equifax Legal Department and it is now XX/XX/2019 and I have yet to receive a response. It has been more than the required time frame for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/2019 Ive managed to purchase a XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD  card properly. Ive vocalized this issue to XXXX XXXX XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX XXXX XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX XXXX XXXX  and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. 

Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was given a check drawn on Bank of America by my son who has banked with them for several years. It was the repayment of a loan that I had given him a few weeks prior. I took the check for {$1500.00} in to a local Bank of America with my drivers license and they refused to cash it unless I opened an account with them and waited 7 days until the funds would be available for withdrawal. I pressed them that they should call my son to verify that he wrote it to pay his mother which she did. HE TOLD THEM TO CASH IT AND CHARGE HIS ACCOUNT THE {$8.00} FEE that they would have to charge me because I don't bank with them. The manager told me that the only way she would cash my check is if I paid the {$8.00} and give her 2 other forms of identification not including my drivers license. efused because I could not understand why they would need a copy of my house payment ( bill ) or electric bill or even a XXXX   charge card. 

I would like to know why these banks are allowed to exploit people WHO DON'T BANK WITH THEM by charging fees for absurd reasons just so they can boost their profits and to XXXX with the poor old XXXX individuals who don't see another way to cash checks given to them as payment for a service. I retired from one of the bigger banks in XX/XX/XXXXafter 30 years of witnessing all kinds of fraudulent activity. These methods where banks are coercing people to bank with them by using these schemes should be condemned and ruled illegal at the least.

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 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: GA

Complaint narrative:
Received a letter, Dated : XX/XX/2019 from Benuck & Rainey , inc., Falsely claiming that, I owe {$400.00} to XXXX , XXXX, This debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a letter in the mail from Wells Fargo dated XX/XX/2019 thanking me for opening a new Wells Fargo Credit Card, and informing me that my new card would be arriving soon in a separate mailing. They also included a report from XXXX   dated XX/XX/XXXX showing my credit score. I never applied for this card and never gave approval for a credit check. I called Wells Fargo and got the card deactivated before any charges were made. 
The letter was from : Wells Fargo Bank XXXX. 
XXXX XXXX XXXX XXXX XXXX, IA 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 monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: WA

Complaint narrative:
I found a Charge offs on my Credit report form DISCOVER. I disputed it with the CRA it came back verified. I than sent a letter to DISCOVER about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your DISCOVER does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation