vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX of Maryland also known as XXXX. My member ID is XXXX. XXXX has erroneously reported that my line of credit is a charge off to Equifax. I have never been late on a payment to XXXX  and I paid the balance down to XXXX in XX/XX/2019. I took out a XXXX loan on the line of credit on XX/XX/2019 and on XX/XX/2019, XXXX reported the XXXX as a charge-off. I have attached documents from Equifax showing the charge off being reported and also attached a payoff on the line of credit in XX/XX/2019 and the XXXX loan dispersal on XX/XX/2019 which I have since paid off on XX/XX/2019. I have tried to reach the Consumer Dispute Department at XXXX and all I get is voicemail. I want the negative information removed from my Equifax credit report before it negatively impacts my standing with my other creditors. I have reached out to Equifax previously and they too are having problems updating my credit report following my request of an investigation to correct the balance errors. Furthermore, my account is not closed as it is being reported on my credit report for Equifax. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I recently attempted to enter the bank 's website and it wants to send a code to a U.S. cell phone and I'm currently traveling Internationally. I tried to call the customer service number and spoke with a rep that asked five minutes of identity questions and then wanted to transfer me again and I gave up. The first two questions should have been enough. I've been a customer for 35 years with a high credit limit and I explained all I wanted was to know what my balance was to pay the monthly payment. What I got was harassment in my opinion.

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: 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gotham Collection Services Corp.
State: NJ

Complaint narrative:
The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later Gothem Collection Services Corp make a move with XXXX XXXX XXXX XXXX XXXX , XXXX.got a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights.  Gotham Collection Services Corporation and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and XXXX list for ever atleast in your Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I spoke with a Capital One representative in XX/XX/XXXX and was told that my account would be in good standing for 28 days. I scheduled my payment on XX/XX/XXXX. I got behind on my auto loan due to downsizing with my employer. I communicated with Capital One that I wanted to keep my vehicle and was making strides in restoring my account. On the call I made on XX/XX/XXXX, I was told that I would be able to make arrangements on my auto loan to by a modification as soon as my payment was received. With my account in good standing. On the XXXX I was emailed documents to complete and was instructed to fax them back once they were completed. I completed the forms and fax them back as instructed. I contact Capital Once on the XXXX to ensure that my forms had been received. However, I was told that they weren't received. I re-faxed back several times unsuccessfully. I asked if their was another way for the form to be submitted and was told that I could email them. I emailed the documents and they were received. The representative told me I would hear back from someone in two weeks. I NEVER received a call. On XX/XX/XXXX I received a letter informing me that Capital One had attempted to contact me & that I had to the XXXX to respond. I didn't receive the letter until the XXXX .Also, I have no voicemail from Capital One & was informed that my voicemail wasn't set up when it indeed is. I never have had a problem with them contacting me until now. Since I received the letter on the XXXX th & the XXXX was on a Sunday. I asked them if they would be willing to work with me since I just received the documentation and had no other contact from them and was told that the modification was denied. I asked to speak with a supervisor and was told that their was not a supervisor for that department. I continually asked if their was someone else I could speak with to assist me & was finally transferred to escalation department. When transferred the representative was rude and interrupted me frequently not allowing me to speak. The representative was not at all helpful.My vehicle was repossessed on XX/XX/XXXX. I have been trying to resolve. This is not the information I was given when I spoke with a representative.

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:
I could not believe they did a full investigation on the account because it is incorrect.. Transunion keep on saying that XXXX XXXX  XXXX  is a charge off, they were paid off and was not late..CFPB step up and remove the account asap

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: 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: 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 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
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: TX

Complaint narrative:
Around XX/XX/XXXX I sent the following letter : Dear Sirs ; I am, by this letter, disputing your stated balance of $ XXXX XXXX on Loan Number XXXX and informing you that correct balance is {$0.00}. 
I believe your erroneous balance is the result of the following three errors : 1. Incorrect Balance Transfer from OTHER $ XXXX 2. Interest Charges Related to carrying the Additional $ XXXX $ XXXX 3. Interest Calculations Made Using Due Dates Not Payment Dates $ XXXX On XX/XX/XXXX I received a letter dated XX/XX/XXXX from OTHER informing me that my loan was being transferred to Capital Mortgage Services of Texas ( see attachment 1 ). I sent to you on XX/XX/XXXX a letter stating that the balance OTHER was carrying was in error ( see attachment 2 ). I advised you in that XX/XX/XXXX letter that I would not accept any amount other than $ XXXX XXXX transferred from OTHER on XX/XX/XXXX as the amount that I owed to Capital Mortgage Services of Texas. 
As I received no response to this letter I called your office and spoke with one XXXX XXXX on several occasions. During these conversations I expressed my concern that interest on my payments was being calculated based on the Payment Due Date and not the actual payment receipt date. After several telephone conversations and email exchanges Firstname assured me that you had my letter on file and both the incorrect balance transfer and the interest calculation variances would be resolved when the loan was to be paid off ( see attachment 3 ).  That Day of Reconciliation has now arrived. 
Please review the attached payment history with my interest calculations shown ( see attachment 4 ) and forward to me any comments or questions you may have. 
Thank you for your help on this issue. 

Sincerely, My Name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase bank changed my credit limit on my Chase Freedom credit card without first notifying me. I have had the card for over a decade and never had my credit limit automatically changed. Upon talking to them via phone they said I had opted in for the service and notified me on my statement, however I : 1 ) was never told or opted in for this service and 2 ) find the credit limit notification intentionally misleading as it is in small font on page 3 of my statement, was vague in nature and did not compare the change to my previous credit limit. Chase regularly sends me general and secure e-mails about my account regarding both spending and term changes, however I never received this important notice about a change in credit limit. As a result, I see this predatory in nature and believe that Chase purposefully hid this change from me. I only learned of this credit limit increase through an independent watchdog service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There is incorrect information listed on my credit report that does not belong to me. I have disputed this information with the company and creditors with no results. I am receiving alerts and information, phone calls threatening my taxes & paychecks etc. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also the following address are incorrect and I have submitted the correct information XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX al XXXX, XXXX XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX la XXXX The following inquires are listed as well XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later XXXX XXXX XXXX XXXX make a move with XXXX XXXX XXXX XXXX XXXX , XXXX a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and Black list for ever atleast in your Department.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX  XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 )  XXXX 12 ) XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX 14 )  XXXX 15 ) 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX A )

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have incorrect information listed on my credit report including at one point an incorrect social. I have called and written to dispute this information with no resolution. The following information is listed incorrectly XXXX XXXX XXXX, XXXX XXXX XXXX, chapter XXXX bankruptcy, chapter XXXX bankruptcy, state of alabama human resources. Also the following names are listed incorrectly XXXX XXXX, XXXX XXXX. The following addresses XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, al 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
i lost my job XX/XX/2016 and notified mortgage servicer. around 90 days i recovered and wanted to resume. i could not pay all back payments so they refused to take any payments. never could get all at one time. i asked what to do they started saying they would file to modify. i had offered to update my info they refused. they turned me down 6 times and on appeals 6 times. say i sent paperwork they needed and used it to apply mod. they lied to me in writing because i have never been asked nor have i sent any documents. they wont share copies. i never had a continuos contact. no help. reported to XXXX. XXXX XXXX XXXXXXXX hung up on me. both lying about my case. im in foreclosure and i need help. notified fbi, ftc, whitehouse, nobody helps there is a lot more to say. false documents. sent via usps. many felonies.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019, I filed a dispute advising Equifax that an item appeared on my credit report that I was unaware of and must be a result of identity theft. This item was with XXXX XXXX / XXXX XXXX. Equifax verified the item and updated it. When I informed them the info was wrong they requested I send them a FTC report or police report. I then faxed them this information to the fax line with my identification and social security card. Instead of removing this item, Equifax removed nine other accurate accounts off my credit history & report and then added two other accounts that were not in my credit file. When I called notify Equifax of this mistake .. Equifax now refuses to provide information on my credit report. And, claim they can not verify my info. I then resent my identification documents and social security card as proof of identity and Equifax continues to refuse to provide information on my credit file. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
FEIN SUCH KAHN & SHEPARD, P.C. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.FEIN SUCH KAHN & SHEPARD, P.C.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. FEIN SUCH KAHN & SHEPARD, P.C. act is completely illegal and has to stop and investigated by AG NJ office. FEIN SUCH KAHN & SHEPARD, P.C. is in serious violation of Civil Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.

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 — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX I purchase a new car from XXXX XXXX XXXX they call my job on XXXX to verify employment. My job XXXX Mississippi XXXX XXXX XXXX pulled their own credit report without my permission and also had Regions Bank locates in XXXX, Mississippi to pull my credit report all done on XXXX without my authorization or signature.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX 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 explanation