vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX CO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-09-19 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: VW Credit
State: PA

Complaint narrative:
VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO DEALER SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-09-19 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: Westlake Services, LLC
State: PA

Complaint narrative:
WESTLAKE SERVICE INC is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I have written to ERC several times asking for validation of the debt. They have yet to furnish an agreement between myself and ERC explaining that I owe ERC any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
A Negative mark was reported on my behalf that doesn't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX Barclays account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

Barclays, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated with XXXX, XXXX, and Barclays. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.

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 2019-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CT

Complaint narrative:
XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MI

Complaint narrative:
Dear Sir or Madam, I applied for XXXX as a XXXX recently ( XX/XX/XXXX ) and they initiated a background check on me, which is fine, as I am a XXXX and have been fingerprinted and background checked out the wazoo. 

Then Checkr, the company with my credit report, wrote me with a copy of my report ( XX/XX/XXXX ). I was disappointed to see that one of the background check categories said " Consider ''. The report brought up a XXXX  XXXX XXXX ( of which I was XXXX ), but it was from XX/XX/XXXX. That's 15 years ago. The Fair Credit Reporting Act ( FCRA ) clearly  states that information more than 7 or 10 years old that is negative may not be reported. 

I emailed Checkr and informed them of this and that it was a violation of my rights, but I am already being screened by XXXX based on this background check. I hope it does not affect my chance of being hired. Thank you for taking this into consideration. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
My home suffered roof damage during a storm in the amount of $ XXXX in XXXX. The insurance company made the check payable to the mortgage company and me in XXXX. The mortgage company policy states that checks over $ XXXX have to be issued to the contractor directly in 25 % increments. The mortgage company wants to hold the check even though it is under the $ XXXX allowance because my mortgage was delinquent one month in XXXX stating they don't want me to run off with the money. They are trying to force me to follow the process for checks over $ 20K wherein its distributed to the contractor in small increments. The biggest dilemma is that NO CONTRACTOR will begin roof work with a $ XXXX down payment ( 25 % ). The mortgage company is telling me that I have to pay the difference up front ( which is anywhere from $ 3k - $ 6K more in down payment to the contractor ) and they will reimburse me once the work is complete. HOW IS THIS FAIR OR LEGAL even though my insurance company has already issued the full payment to them for the repairs, they can not show me this policy in writing anywhere, their representative told me that they do not have this policy in writing anywhere and I am current on my loan now in XXXX? Thus, my roof is still leaking and now mold is beginning to form in my home causing health risks to my family. I've only been delinquent ONCE in three years! I love my home but it is being destroyed every day that it sits like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A year ago I was scammed into using my vehicle to advertise for third party companies with decal stickers, I was contacted through a text message with instructions about how to start advertising. I received several messages with instructions on what to do with the check which i received for the amount of {$2900.00} delivered by XXXX. 
I was instructed to deposit this check into my personal checking account and i said no that i would open a separate account for business. It took me about two days to open an account with BANK OF AMERICA i explain myself to the ( Relationship Manager Banking Officer ) she her self was interested in this advertisement getting paid wkly of {$800.00} When i went back to the bank a day or two later, following the instructions that were given to me. I was told that it was a cashiers check that had bounce and that it was fraud. 
I asked for help in what should i do about this situation and i was given an XXXX number from BANK OF AMERICA to make a report which i did. 
So here i am a year later trying to open an account with another Bank and i was flagged for fraud. BANK OF AMERICA confirmed the account balance is at {$0.00} and I'm cleared of the balance. 
I was scammed and i need help in removing this fraud off my name.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nellnet keeps reporting accounts that are too old to report according to fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
The previous addresses reported on my behalf are incorrect.

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 2019-09-19 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: TX

Complaint narrative:
The previous addresses reported on my behalf are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
The previous addresses reported on my behalf are incorrect.

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 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and Im a concerned chase sapphire customer. On XX/XX/XXXX. 2019, my family and I flew out to XXXX with a return date XX/XX/2019, with all my transactions made with my chase sapphire card. 
Upon the conclusion of the trip, a natural disaster, hurricane Dorian, was set to hit Florida ; which was my destination from XXXX on XX/XX/2019. Unfortunately our flight was canceled due to the state of emergency, and therefore we lost our non refundable tickets out of XXXX. I quickly called chase sapphire customer service and was told, by your representative, that all transactions made to accommodate my travels will be covered under the insurance provided by the credit card. This was confirmed to me multiple times by your representative. 
Once we arrived home, after a long and tedious trip, I made a call to chase sapphire inquiring about my claim. To my surprise, I was told that the transactions made to get us out of XXXX was not covered. I spoke to a manager and explained that the chase sapphire representative assured me that everything would be covered. I was promised that an investigation was to be made, and if the chase sapphire representative was to be found at fault, my expenses would be fully covered. 
On XX/XX/2019 around XXXX, I was contacted by XXXX XXXX, who claimed to be the utmost authority that can help me with my issue. He informed me that the investigation concluded that the chase sapphire representative was at fault. HOWEVER, surprisingly, he was very blunt in his approach and in telling me that chase sapphire would not pay for their misinformation. After much explanation, the conclusion was that I would have to pay for the representatives mistake. This is unfair as I was misled into thinking all my expenses were covered. I find it astonishing that a respectable corporation like chase, can not own up to their mistake and fix this issue. Im asking for a fair compensation of all my expenses that were purchased based on the information that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX keeps reporting accounts that are too old to report according to fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have online banking with Chase. Chase bank sent our mortgage payment to the wrong address. This was on XX/XX/2019. It is now mid XX/XX/XXXX and they will not give us our money back. They are asking us to prove that the mortgage lender never received the money. 

This is odd because Chase showed us the front and back of the check that was sent to the wrong address and was negotiated by an entity that was not our mortgage provider. 

My credit has been dinged through no fault of my own, we had to write a second check to prevent foreclosure discussions, and I still dont have my money. 

I would like my money returned, plus interest. I would like them to clear up my credit on this issue and I would like to be compensated for the 4 hours we spent on the phone with chase and our mortgage provider. 

They will give a provisional credit if we prove that the mortgage company never received it, but this is clearly insufficient. In my book, when someone makes a mistake with someone elses money, and they dont return it, thats called theft. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've tried to remove myself from Bank of America and XXXX credit card solicitations countless times and nothing seems to work! I'm really fed up with dealing with them!!!

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