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

Complaint narrative:
My credit score is not fairly reported. I never spent money on a XXXX card, I never made a payment to XXXX. I never spent money on a XXXX card I never made a payment to XXXX. Someone else is transacting with my social security number, opening credit cards using them and making payments. The credit score is a combination of others and the debt I am responsible for. I have filed disputes through experian but nothing is being done. I pay all of my creditors on time and I should have a much better credit score. I want a new social security number as someone else has my information and is using it. I would like my credit score to be reset. To include date I would like to include today, someone has made an unauthorized payment on an unauthorized XXXX   card probably so they can get a limit increase and really ruin my credit score, please help!!!!!

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 2019-12-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
CAN ANYONE HOLD EQUIFAX ACCOUNTABLE??? 

I HAVE SEVERAL COMPLAINTS ON THIS WEBSITE AS WELL AS EQUIFAX REGARDING THE WRONG NAME ON MY CREDIT REPORT. EQUIFAX CONTINUES TO PLACE A SUFFIX OF " XXXX '' ON MY CREDIT REPORT. 

I HAVE EVEN HIRED AN ATTORNEY TO SEND THEM A LETTER REGARDING THIS MATTER. AND IT SEEMS TO FALL ON DEAF EARS! THERE ARE SEVERAL CASES STILL OPEN ON THE CFPB WEBSITE STILL OPEN FROM XX/XX/XXXX & XX/XX/XXXX THAT HAVE NOT BEEN ADDRESSED. 

ALSO, MY WIFE AND I WERE VICTIMS OF IDENTITY THEFT IN XX/XX/2019 AND MADE A POLICE REPORT ( ATTACHED ) I HAVE SEVERAL INQUIRIES THAT ARE ON MY CREDIT REPORT ( ATTACHED ) THAT ARE NOT MINE! EQUIFAX SENDS ME A XXXX LETTER THAT I NEED TO CONTACT THOSE BUSINESS 'S ... EQUIFAX PUT THOSE INQUIRES THERE I DIDNT! 

I HAVE SENT SEVERAL LETTER TO MY CONGRESSMEN AND SENATORS TO ASKING FOR NEW LEGISLATION TO CONTROL THESE CREDIT REPORTING AGENCIES AS THEY ARE CORRUPT, INCOMPETENT AND HURT AMERICAN PEOPLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to Shellpoint on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all 3 major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to Shellpoint on XX/XX/2019. The agreement stated to have the document signed and received by Shellpoint before XX/XX/2019, and according to the Shellpoint Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from Shellpoint regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the Shellpoint Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.

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 2019-12-12 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: CA

Complaint narrative:
Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CASHCALL, INC.
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: MN

Complaint narrative:
The following current and collection accounts listed on my Experian, XXXX XXXX and XXXX  credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.

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 2019-12-12 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: MN

Complaint narrative:
The following current and collection accounts listed on my XXXX, Trans Union and XXXX credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.

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 2019-12-12 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: MN

Complaint narrative:
The following current and collection accounts listed on my XXXX, XXXX XXXX and Equifax credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
An unauthorized transaction was made on my business checking account from XXXX XXXX on XX/XX/XXXX of {$1900.00}. I called Chase Bank to alert them this was not my transaction. They temporarily credited the transaction in order to investigate, then came back 6 weeks later and claimed that is was not fraudulent, and reversed the credit. 

We have gone back and forth with Chase on their reasoning and have had a difficult time getting any information at all on the actual transaction itself. We filed a police report which is attached. We finally received the information from XXXX XXXX via Chase on XX/XX/XXXX which states the transaction was done on a mobile cash app using my credit card number and the wire transfer or money order went to " XXXX XXXX '' in XXXX, Florida. Chase claims because the originator verified my address and my spouses email that it was not fraudulent. On the Report from XXXX XXXX it says " Zip code matches , street address not verified ''. The email address listed on the XXXX XXXX is not the email address on file for my husband. There is an IP address and a Device # for the transaction but both Chase and XXXX XXXX have washed their hands of this stating that it was not fraudulent. Since I know that it was and they will not longer assist in ways to pursue I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Bank/ Company : Synchrony ( For Mattress Firm ) I diligently make my monthly payments with Synchrony every month. In the month of XXXX I made my payment on XX/XX/XXXX in the amount of {$75.00} ( Min due was {$65.00} ). 
On XX/XX/XXXX I receive notification from Synchrony that I was past due on my account AND I was being charged a late fee in the amount of {$28.00}. 
On XX/XX/XXXX I called Synchrony to find out why my payment on XX/XX/XXXX was not applied to my XXXX bill. The Synchrony agent said that because I made my payment on XX/XX/XXXX which was the same day my statement was generated the payment was applied to the overall balance, but didn't count as my XX/XX/XXXX payment. 
I don't understand how a consumer can easily know that a payment made during a month may or may not post as their monthly payment due based on Synchrony 's crazy payment posting logic.

I made my XX/XX/XXXX payment in XX/XX/XXXX, but now I am being penalized because I made it on  XX/XX/XXXX instead of XX/XX/XXXX!? And I they charged a late fee? 
After pushing and arguing on the call with Synchrony I finally got them to waive the late fee. But an investigation is still warranted because Synchrony 's payment posting process if broken and I wonder how many other consumers were incorrectly charged a late fee because of their broken process!

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 2019-12-12 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 — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Im writing as a disappointed customer of Citibank. On or about XX/XX/2019, I submitted a payment online. Shortly after realizing that I scheduled a from the wrong account ( there are several listed in my account ), I contacted Citibank and attempted to cancel and reschedule the payment using the correct account. They told me that they were unable to make any amendments and that it would be returned and then I submit another payment using the correct account. I asked if they could notate my account because I didnt want to face any penalties or problems. They said they would notate the account and assured that I wouldnt face any penalties. They even submitted a request to waive the fees. As advised, I made another payment, from the proper account, which cleared my account without incident. However, Citibank closed my account citing credit abuse. I contacted customer service to inquire and they would not offer any additional information. 
Im appalled and would like this situation rectified and the account reopened. Credit abuse is incorrect reporting. The payments on this account have been timely and Ive been a valued customer for many years. I used this card regularly which is not abuse. This is unacceptable and I am expecting a response. If Citibank is alleging credit abuse I would like a FULL explanation/FULL disclosure of the alleged abuse to include dates, times, and incidents. 
This is unacceptable treatment by Citibank. Accordingly, I have also filed an official complaint to the Consumer Financial Protection Bureau. Thank you for your time and consideration to this matter.

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 2019-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Other type of mortgage
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: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
NEW COMPLAINT For over a month now I had been trying to receive replacement credit cards from Citi. Finally they agreed to send one for me and one for my wife. 
On the XXXX of XXXX I received my card but not the wifes. 
I called and got absolutely nowhere as they said they couldn't use my phone number to verify it was me. No explanation given except that a letter would be sent in the mail with a code. Yesterday the XXXX of XXXX my new card was declined!!! I called again and got absolutely nowhere again. I have had it with Citi and their Professional card which I use to use for business is less than Professional when it is declined. I have called the person, and left messages, who wrote the explanation on my previous complaint XXXX XXXX at CITI several times and have not received a reply as of this time.

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