vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 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: FL

Complaint narrative:
I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: FL

Complaint narrative:
I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: FL

Complaint narrative:
I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

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 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Case Number XXXX With Transunion concerning Child Support Listed as an other loan and an open account.

The account ive paid the original amount off. They are still listing it as a other type of loan on my credit? But list the debt as XXXX? Then a XXXX balance.

Incorrect Information.

They report my payments in good standing but havent removed.

Its harmful and inaccurate to list child support as a loan? Its not a loan.

Listing what u pay like you build credit from it shouldnt be available. Because it doesnt build credit anymore than a utility bill?

An it has been harmful in my life becuase its stopped me from purchasing a home and a car.

They have denied me due to the debt.

Transunion said twice they would remove and has failed to change it.

While XXXX and XXXX  have removed.

If i could sue them i would because they keep telling me they fixed it?

Its fustrating to be held back in life from credit reporting bureas that report incorrect information.

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 2018-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may be concern, I have found Multiple activities on my SSN, Tax returns filed, hands on my bank accounts, use of my Driver 's License ( ID Number ) or Real ID in other states. Also holding on all the money deposited to my bank accounts since my bank account had Overdrafts fees. Donation of the Money hold and more because of the small amount overdraft charges in chase bank and XXXX XXXX. After my visit to DMV, it appears that there were several IDs made with my name or my Real ID number in order to use for Military Facility, getting mortgage, buying cars, getting several Auto Loans and more under my name, my credit card, using my Digital Wallet, making money of Bitcoin through my accounts and more. Also just found that they used our family business tax id number ( Claiming As Social Security ) in the Chase Bank which applied for car Loans in other States. I'm not able to activate my own bank accounts, personal & business, and not able to Enroll for new bank accounts. Also putting hold on all my Mails in XXXX and all the postal services, meaning I was not receiving my Mails for years, holding mails and forward a few of them to my Mailbox without my knowledge, and it's still happening. Please investigate, and inform me what type of information you need from me to do a complete background check, checking on withold money or the services like retirement which I never applied for, as well as tax returns, other government benefits which I never received but I was notified it's been applied when I was renewing my driver 's license. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am eligible for a HAMP refinance but because of a bankruptcy over 7 years ago, my bank will not process the loan. My house and car were supposed to be reaffirmed and.the proper boxes were checked in the bankruptcy paperwork but my lawyer must have gotten sick and passed away before he processed the reaffirmation. When I asked if it was something I did wrong, I was told that it should have been handled between the lawyer and the bank and I didn't have anything to do with it. Meanwhile, I am told I would have to open the bankruptcy back up to handle this and it would take more money that I don't have. I am trying to refi the house to be able to stay in it. I am working as hard as I can as a XXXX XXXX XXXX XXXX XXXX and am suffering every summer with no pay. 
I have talked with the refi people at Wells Fargo and they say it is my problem, I have talked with a bankruptcy attorney and they say that I have to pay and reopen the bankruptcy. Meanwhile I am slowly going under. I did do some research and found that the bank can reaffirm the loan but they refuse to do this. 
Please help me! 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: SC

Complaint narrative:
Many complaints and certified letters to Transunion XXXX and XXXX requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX  Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

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 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.

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 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing. 

To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's  assistance in having the {$31.00} refunded. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: SC

Complaint narrative:
Many complaints and certified letters to XXXX XXXX and Equifax requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Many complaints and certified letters to XXXX Experian and XXXX   requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

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 2018-09-16 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: SC

Complaint narrative:
On XX/XX/2018 I was notified by Chase that a charge of {$120.00} ( approx. ) for XXXX XXXX was attempted on my account but it was not authorized by Chase. Another charge on XXXX XXXX for {$330.00} was allowed and posted to my account. Chase asked if I made this charge and I responded that I didn't. A fraud report was submitted. 

In XXXX I was informed that Chase determined that I was responsible for this charge. I requested a repeat review of the charge. 

The charge was made by phone for a ticket from XXXX XXXXXXXX to XXXX XXXX. 

Chase requested that I prove my whereabouts on that day. I submitted a copy of my time sheet proving that I was at work in South Carolina until XXXX XXXX that day. 

On XX/XX/2018 Chase sent a letter that again determined that I was responsible for the charge. When I called them I was told by an agent named XXXX that one of the factors that led to their decision was the fact that I was in Florida in XXXX. I was in XXXX Florida from XX/XX/XXXX to XX/XX/XXXX. I took XXXX from XXXX to XXXX. 

Again, i was asked to submit my information regarding this dispute. I had to email it to a supervisor named XXXX XXXX ( XXXX ) because XXXX was not allowed to receive emails. 

It is quite obvious that the fraud department of Chase did not even call XXXX XXXX to get details because when I spoke to the airline representative he told me that the ticket was never used! And yet Chase made me prove my whereabouts and made a determination based on my being in Florida in XXXX! Their reasoning is illogical. 

Also, according to the letter of XX/XX/2018 the transaction was posted on XX/XX/2018. As you can see from my statement it was posted on XX/XX/2018- a minor discrepancy, but one that adds further fuel to the fact that the Chase fraud department is ineffective, incompetent, and possibly complicit in fraudulent charges. 

Note : This charge was accrued under the name of the joint account holder

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
On XX/XX/18 I made my regular online payment and selected from the online box provided, labeled " additional principle payments '' for an additional principle amount to be made in the amount of {$100.00}, in addition to my regular monthly payment due. The additional principle amount was not applied to additional principle as I selected but applied to unapplied funds account. I caught this later days after making the payment and called Mr. Cooper to get that error corrected. The next month, XX/XX/XXXX, the exact thing happened. This time with a {$50.00} additional principle payment ( Mr. Cooper applied to unapplied funds account and NOT additional principle as directed ). I called and was assured this would not happen again and the issue was taken care of. The next month, XX/XX/18, I made an additional principle payment amount of {$300.00} and the payment was allocated properly. On XX/XX/18 I made my regular payment and again directed another amount ( {$9100.00} ) to be applied toward additional principle. I send an online message confirming that it would allocated properly since I've had a history of issues with the additional principle payment NOT being properly allocated. This is the secure message I sent : " Please make sure the additional principle payment I made today gets allocated properly and is credited into additional principle. Please confirm. '' They then took it upon themselves to reverse both payments I made and apply the entire payment ( both the regular monthly payment and additional principle amount ) into the ONLY principle amount. I checked the account XX/XX/18 to find that my payment was reversed showing that the regular payment was not made and that the payment would be late soon in 2 days as a result of this careless error. You can plainly see that no where in my message did I direct that my regular monthly payment and the additional principle payment be added together and applied totally to additional principle only. I talked to a manager on XX/XX/18 who said that it would take 24 hours for my regular monthly payment to post and I would not be late. Here are the reference ID 's they gave for my call on XX/XX/18 : XXXX ( that is an employee ID ) and ID : XXXX. They should have immediately posted this payment the correct way, not give me 2 conflicting times when they thought that someone might get around to correcting the error ; 24 hours and 2 business days. Their stance was that I directed them to reverse the payment in my secure message to them following my regular monthly payment and additional principle payment on XX/XX/18 which I clearly did not. Furthermore if they were confused, which they clearly have a history of, they should of contacted me for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi. I have contacted XXXX, Transunion and XXXX several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.

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 2018-09-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recoveries, Inc.
State: MI

Complaint narrative:
I have written many letters to the Ombudsman, Student Federal Aid, which work in concert with each other because I have e-mail to prove it. When I prove them wrong and ask for specific information, This alleged debt is passed of t the next debt collector. XXXX XXXX /XXXX XXXX from National Recoveries Inc . 
Was clearly instructed to provide a license number to collect a debt in the state of Michigan and California. National Recoveries has not provided any license number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation