vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XX/XX/2020 - Paid off loan that matured after making payment arrangements to pay {$200.00} every two weeks with the Loan Recovery Department at First Hawaii Bank. I called to make arrangements with them when my loan hit the maturity date and my payments never faltered. 

Today ( XX/XX/2020 ), I was turned down from an auto loan because of this charge off. I called XXXX XXXX, Recovery Agent for First Hawaiian Bank, to ask why they have it reported as a charge off when it was paid in full. She stated that " First Hawaiian Bank reported the loan as a charge off because it was transferred from one department within the same institution to another department. I asked them if they could remove the charge off and she said that by law once the charge off is on, they are not allowed to remove it. I stated that the information is incorrectly being reported because I paid the entire amount of the loan and did not settle any of the amount. I even paid interest on it in which the bank charged me in order to make they arrangements. The information that they reported is incorrect. They agreed to take my payment arrangements and did not explain that they loan would be reported as a charge off even though I made the necessary payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX  XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX   Equifax XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE XXXX {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX Equifax XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX   XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 Equifax XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXXXXXX XXXX XXXX  Credit Cards XX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX Experian XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  Experian   XXXX   XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  Experian XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Experian XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/2018 XXXX  XXXX XXXX XXXX  XX/XX/2018

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 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a call from a XXXX area number that said he was from Huntington National Bank and that I needed to go into my nearest branch. So I phoned the customer service number because I am in XXXX  due to the XXXX  XXXX. The phone banker said my account was locked out but did not say why. 
After telling her my story that I have been advised to stay XXXX  due to the XXXX  XXXX XXXX she came back on the phone and said she was " Wrong '' that my account was not locked out, the phone call was just to tell me the XXXX XXXX XXXX branch would be closing. 
I come to find out later while I am doing my taxes that indeed, my account is frozen. 
I have tried calling several times, and just keep getting the same story that I need to go to the bank, even though I would be putting my life in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Have tried to reach out to collection company XX/XX/2020 involved was told even after debt had been collected and paid that they would NOT delete the but would only be able to make a statement saying that the matter is no longer an issue. Customer service rep said he would email me a letter stating this but no letter has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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:
These are not my accounts, nor did I authorize these inquiries to be pulled.

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 2020-03-18 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:
These are not my accounts, nor did I authorize these inquiries to be pulled.

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 2020-03-18 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these inquiries to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I would like to dispute a collection account with credence resource management. They claim I owe a {$1000.00} debt to a company named XXXX, for an account that originated in Michigan. I live in California. I have lived in California my entire life, 40 years. I have never been to Michigan, I know 0 people in Michigan.

1- I have never had an account with XXXX. I called XXXX, and they have 0 history of my ordering service. 
2- Your collection company told me the original account was located in Michigan . I have never been to Michigan. I live in California. 
3- I have contacted XXXX  , XXXX  and XXXX.

4- I have contacted a lawyer and given her all of your companies information. 
5- I am seeking other forms of legal aid and will not stop until this is resolved. 

THIS COLLECTION IS FRAUDULENT AND I WILL NOT STOP UNTIL THIS PROBLEM IS RESOLVED!!! 

XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.

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 2020-03-18 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: NV

Complaint narrative:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I'm behind on my mortgage payments. I tried to make one payment. M & T Bank is refusing to take my payment. I tried to do it online. I could not do it because they blocked me from doing it. I tried to do it using the pay by phone feature. I could not do it because M & T bank blocked me too. I called M & T Bank and the representative refused to take my payment. Please help! M & T Bank is purposely refusing to take my payment so that they can take my house. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.

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 2020-03-18 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-18 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: GA

Complaint narrative:
In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from TransUnion stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both TransUnion and XXXX. This time I sent a follow suite letter attaching the deleted account from the XXXX  record to both TransUnion and XXXX.I received a response on XX/XX/2019 from both TransUnion and XXXX  that the account was updated and verified. Again, no documentation on how this account was verified. XXXX  sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.

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 2020-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cadle Company
State: PA

Complaint narrative:
Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ). Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to North west counseling services XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about XXXX. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CA

Complaint narrative:
I have over the past few months disputed the {$8000.00} charge for services NOT rendered that was charged to my Chase/Marriott Credit card back in XXXX. The company that made this charge was taken over by the federal trade commission for DECEITFUL PRACTICES TO THE CONSUMER and therefore the services were NOT rendered. Chase/Marriott refuses to give me a credit for the charge. The other credit cards ( XXXX XXXX and XXXX XXXX ) did not have any issue with providing a credit - but Chase noted that the fraud company in question - XXXX XXXX. - is one of THEIR affiliates - so they do not want to remove the {$8000.00} charge. This is a total disgrace on Chase/Marriott behalf. I have submitted the federal complaint over and over and they will not drop the charge. I am including the link to the complaint below. I want the charge removed. 

This company was taken over because of deceitful practices and therefore Chase/Marriott has to provide the credit just like the other credit cards have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors.

Company response to consumer: Closed with explanation