vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XXXX19, I tried to access bank 's website, but a message code is to be sent to a U.S. cell phone. I'm currently traveling outside the U.S. and  can't receive a code so I can't determine what my monthly payment is. I called the bank with the customer service number on the back of the credit card which is XXXX. I was given two options, press 1 to  hear a robot give me a sales pitch about a medical alert service. No human came on at the end the connection ended. I called back and pressed 2 and got another robot trying to sell me a towing service! Again, at the end the connection ended. I'm unable to make a payment because I do not know what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX 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 2019-07-04 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid for a money transfer service at XXXX for {$2400.00} which I was denied after customer service rep realized that we had no valid ID. But the money was already taken off my card. 

She advised me to contact my bank because she had reversed the transaction back to my bank and they had to decide when the money would be put back onto my debit card. 

My bank advised me to do a claim for the transaction and gave me a claim number # XXXX. They said the money would be available to me within 24 hours. 

The next day they said the claim was denied and I would have to provide the refund/reversal receipt that XXXX gave me. I faxed over the receipt immediately and waited till the next day. 

The next day I went into the branch and I was informed that my account was being closed, and they could not offer any reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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:
XX/XX/2011 I was a part of the XXXX XXXX breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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:
XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: TN

Complaint narrative:
My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.

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 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
After my husband lost his job and being forced to sell a property we owned via short-sale, we paid XXXX XXXX XXXX ( now XXXX ) to help us secure a loan modification with Mr. Cooper because we were having trouble making payments on our primary residence. On XX/XX/XXXX, we received a letter from Mr. Cooper approving us for a trial plan under the Flex Modification Program. We followed the directions and called to accept the offer. We made all three of our trial payments in full and on time which, as the letter indicated, were actually greater than our original payments because they were required to include escrow for property taxes. This letter promised us that if we made all of the trial payments on time and we submitted all the required documents, which we did, that our mortgage would be permanently modified. We followed the directions and did not hear from them for many months. They claimed they mailed us a couple of letters which we never received. It said that our flex plan was approved. Near the end of XXXX, we became aware of an error on the part of Mr. Cooper. Apparently, they processed our trial payments incorrectly, not taking into account that we had added funds to cover the escrow. This error resulted in our account not being in arrears. That made them think that we did not require assistance or a mortgage modification. We called them immediately to get it cleared up when we discovered what had happened. The representative I spoke with on XX/XX/XXXX erroneously informed me that they had sent out the package to formalize the new modification and that we had failed to sign it and return it and that that was why the modification had been retracted after it was promised. I protested but he was adamant. Their letter dated XX/XX/XXXX admits that this representative was wrong and that we paid our trial amounts. They provided no valid reason for canceling our modification. Their letter from XX/XX/XXXX admits that an error occurred somewhere in their processing of our account ( since we have proof that our modification was approved and that we made the payments ). Wanting desperately to get our modification back, we followed their instructions and spent several more months filling out a duplicate application for them to review and re-submitting bank statements and forms. Since our financial situation was not better, we thought for sure that they would correct their error and re-approve the loan modification. Instead, we were horrified to learn that they denied it and that they were reporting us to the credit bureaus for paying the trial amounts they told us to pay ( which caused our credit score to plummet from over 700 to under 600 ) and, to add insult to injury, they have fined us {$500.00} in late fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I APPLIED FOR A GREEN DOT SECURED CARD IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY CREDIT REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE CARD NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE CARD THE REQUIRE THE CARD NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING TROUBLE FINDING MY ACCOUNT. THE CALL JUST CUTS OF AFTER THAT AND THERE IS NO OPTION TO SPEAK TO A PERSON. I COULD NOT EVEN BE RE-DIRECTED BY THEIR PREPAID CARD SYSTEM BECAUSE THEY ARE NOT CONNECTED. I WROTE LETTERS TO THEM AS WELL. I GOT NO RESPONSE AND THE NUMBERS GIVEN TO ME DO NOT WORK. I WAS ROBBED OF {$200.00} FOR A CARD I REPORTED TWICE. I GET ALL OTHER CONTACT ACCEPT MY PHYSICAL 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 explanation
Consumer complaint received 2019-07-04 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
The car was repossessed in XXXX, I paid the amount that was asked for me to get possession of the car. XX/XX/2019 I was involved in an accident I hydroplaned at night on my way to work in an extreme rain storm. The car is not wrecked but the computer was damaged due to the high level of water in the ditch. I spoke to Consumer portfolio in XXXX after the incident and they had stated they would come and pick the vehicle from outside my home and sell it in auction and I would owe the difference. We both agreed on that, in XXXX the car was still outside my home and they are now refusing the agreement we had which was recorded on the phone by the company. They said in XXXX when I did speak to them that they will not reposes the vehicle it is my problem and they will do nothing until the full amount of the loan is paid off. It is now XXXX and the car is still in my possession but I can not do anything with it since the company still holds the title to the vehicle. The car has now received a ticket to be moved and I can not sell the vehicle or do anything with it. I would like them to honor the original agreement we made over the phone in XXXX that they will come and get the car and sell at auction and I will be responsible for the remainder of my loan after the auction amount is credited to my loan amount. As well as them removing the insanely amount of late payment charges they have applied to my loan amount since XXXX which my case manager told me the company did on purpose with malice intentions of charging me the insanely high amount of late charges plus my monthly payment. I have looked up this company on your website and have found many other stories like mine of this company unjustly charging customers and also refusing to pick up surrendered vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-07-04 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-07-04 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: TN

Complaint narrative:
To whom it may concern I submitted some documents to Transunion Consumer Solutions on XX/XX/2019. They sent me back the results as verified. Obviously they did not properly verify the accounts and can not verify the accounts as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states they must delete the unverified disputed account from the consumer 's credit file if it can not be verified. Credit Bureaus are " For Profit '' corporations. They must be held responsible for what they publish and sell to credit grantors. The courts have ruled that they are responsible for verifying the accuracy not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2019 GLA filed a collection debt of {$130.00} on 3 of my Credit Reports with out any written notice or communication of any Sort. I dont know who this company is but there tactics are bad. The Company they are reporting for said XXXX  XXXX and I dont have a debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Penn Credit Corporation
State: NY

Complaint narrative:
XXXX  XXXX XXXX  XXXX AMOUNT : {$230.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX  XXXX  AMOUNT : {$200.00} DATE OPENED : XX/XX/XXXX PENN CREDIT CORPORATIO AMOUNT : {$550.00} DATE OPENED : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: OH

Complaint narrative:
I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX . I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

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 2019-07-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For the last 16 months I have been receiving unsolicited marketing email from JP Morgan Chase ( JPMC ) and a third party company called XXXX XXXX XXXX ( XXXX ), which is financed by JMPC. Despite repeatedly requesting by phone and by email not to be contacted with non account related email, I continue to receive marketing offers inviting me to " save money on my mortgage '' and " download the app ''. As an XXXX XXXX  with experience in digital financial products I can confidently attest to the fact that the content of these emails is only pretextually related to my mortgage and it is marketing garbage. What is especially concerning is that JPMC has passed on personal, private information about myself and my mortgage, including email, interest rate and mortgage balance to XXXX. I am appalled at their disregard of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: RI

Complaint narrative:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX, XXXX, were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation 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