vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 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: CA

Complaint narrative:
This alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX   account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is XXXX it shows that I had a An account since XX/XX/2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is cap one they keep on reported me messing up my credit please help me get my identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.

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 2018-07-22 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: NV

Complaint narrative:
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ). 
2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties. 
4. Bankrupties were verified thru 3rd party XXXX XXXX. 
5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************

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 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
About a year ago I noticed my principle balance on my loan increased. Ocwen loan servicing added roughly 4800.00 dollars to my principal balance. I called them and questioned why. They could not give me a reason why. The next day I noticed they reversed the charge. They reapplied the money back to my account. This made me really suspicious. So I requested statements the statements never had the information showing the mistake or fraud. I called multiple times in most cases I always had to talk to someone else. My account representative was never available. After multiple complaints I was given a new account representative. Even though I set up appointments with her she wouldnt always call me back. She never did give me an explanation why they added this money to my account. After months of trying to figure out why I got burned out and gave up. 
Well today I was looking back at my statements online. Ive noticed once again money being added to the principle balance. 
I havent taken any loans out or refinanced. I missed some payments years ago but Ive paid everything back through my bankruptcy. I dont understand how they can increase the principle balance on my loan. Am I miss interpreting the statements? 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank closed me accounts by sending me a letter, telling me they wanted to end their relationship with me and was closing my accounts. 
The letter said they would mail me funds in 1o business days. They did not do that. It has been over 30 days. When I call they give me NO reason for the closure and tell me the account is under review and investigation. However, I owe the bank nothing and they are holding {$35000.00} of mine without giving me any reason why their still holding my funds accept their still under review. This is totally unfair and not reasonable that they can just keep my money when there is no court order or legal authority that has put a hold on my funds. XXXX XXXX and XXXX XXXX told me they are holding my funds fo review, But is has been more than a resonable amount of time for this review and when I all XXXX with Chase Executive she tell me nothing when I ask repeatedly, " why are they holding my funds '' " what are they investigating '' She tells me she does not have a reason. this is crazy. I have no debt and never had any defaults with this bank and owe them nothing. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My account is in good standing. However, there are two late payments noted on my account : XX/XX/XXXX and XX/XX/XXXX. After these incidents in XXXX and XXXX, I spoke to XXXX XXXX directly about legitimate reasons for why they should remove the late fees. Such late fees were removed at that time and the merchant also agreed to correct the remarks on my credit report. Such negative remarks have remained despite my best effort to request they be corrected/removed.

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 2018-07-22 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: Credit Karma, LLC
State: CA

Complaint narrative:
My account is in good standing. However, there are two late payments noted on my account : XX/XX/XXXX and XX/XX/XXXX. After these incidents in XXXX and XXXX, I spoke to XXXX XXXX directly about legitimate reasons for why they should remove the late fees. Such late fees were removed at that time and the merchant also agreed to correct the remarks on my credit report. Such negative remarks have remained despite my best effort to request they be corrected/removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: NV

Complaint narrative:
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ).

2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties.

4. Bankrupties were verified thru 3rd party XXXX XXXX.

5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************

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 2018-07-22 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: MI

Complaint narrative:
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: CA

Complaint narrative:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: GA

Complaint narrative:
I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus  report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a unique situation in which our business was a victim of click fraud by XXXX XXXX XXXX this company promised to send a verbal agreement over the phone that if we were to advertise with them we would not have to worry about our money being stolen via click fraud which is a felony online crime where your competitor clicks on your XXXX so it doesnt run anymore for the rest of the day and the other companies collect all the work XXXX says it in a recorded conversation verbal agreement that they have a fraud detection tool in place that prevent you from getting ripped off in your money stolen while we already receive {$30000.00} back from Citibank our investigators name is XXXX XXXX hes been very unprofessional will not return our phone calls Citibank I was just about {$59000.00} fell and it was his idea to go outside the 18 month bank regulation laws and get the rest of the fried circles which we did and dated we did it with the branch manager XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX bank at XXXX XXXX XXXX in XXXX New York and she faxed over all of the transactions theyve only gave us partial transactions and they keep not returning her phone calls and violating bank regulation laws can you please call us this is the third complaint weve made vs Mr XXXX XXXX ChieF investigations At Citibanks, XXXX XXXX, XXXX Fraud I It in Texas! All he does is keep sending us a letter after you guys contact him telling us is that hes going to take care of this will you still have not received {$58000.00} as promised he said if he has to go to get the banking commission to go after XXXX XXXX XXXX to get the rest of our fraudulent money stolen from our account thats what XXXX do because we are a valued Citibank XXXX XXXX customer and they are keep avoiding us we have been out of business for a year and a half my business is seven years in this very upsetting is affected my family Ive lost my house and we even have proof all PDF files tracking software five years to prove all the fraud! XXXX has just lost a {$90.00} XXXX case where they settled because they knew they could not win against the big company for click fraud please help us please call me XXXX XXXX At XXXX Or email me at XXXXThank You Very Much! Please make them stop lying to you I have made three complaints are ready with you guys and I did get results after you talk to them but then they tend to back off and stop calling thank you very much and have a great day

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 2018-07-22 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: CA

Complaint narrative:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, XXXX, TransUnion and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against XXXX, XXXX, TransUnion and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from 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 2018-07-22 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: CA

Complaint narrative:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, Experian, XXXX, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against Experian, XXXX, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from 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 2018-07-22 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: MI

Complaint narrative:
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!

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