vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/Self Lender is reporting 2 accounts ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX XXXX XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. 
XXXX. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: KEYCORP
State: UT

Complaint narrative:
I had a checking account with key bank, there was some fraudulent charges from XXXX XXXX XXXX I reported this a d disputed it. These charges were well over XXXX  $ and it put my account negative. After 3 months and both companies agreed that the charge is both incorrect and fraudulent/mistake yet no body has refunded my money I am out over {$4000.00} and my credit score got several charge offs. Neither company wants to refund me and I keep getting passed off to the other. I have lost my job and because I couldnt afford my medication I suffered some life threatening medical conditions. I missed over a month of XXXX and racked up a {$30000.00} hospital bill. I need help getting my money back and getting the charge off off my credit report. They admit it was wrong but no body will help me. They hang up on me or never call me back and at this point I am going to get an attorney. This is my last attempt at trying to solve it without an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Navy is reporting credit card with 2 different account numbers ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX, XXXX ) XXXX my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. On the XXXX report its showing as derogatory while the others are showing as paid. 

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 
As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Essential Lending Inc
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/XXXX is reporting an account number ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX , XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The account statuses reported by the CRAs are incorrect. One is reporting paid while the other is reporting derogatory.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies.

3. The Dates of last activity are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these this account from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to my primary dentist  office to have XXXX  fixed and prepped for a XXXX  as I had for the two other prior XXXX  that I have. I had dental insurance at the time. I paid my portion of {$320.00} at that time. When it was time to seat my XXXX, the dentist wouldn't do it unless I paid another {$320.00}. My insurance would not pay unless the work was completed ( the crown had to be seated and x-rays taken to prove it and sent to my insurance company before they would pay the balance ). I reported them to my dental insurance ( XXXX  at the time ) as I felt that they were " double-dipping '', but instead, I received a letter stating that " not more than 50 % of the XXXX was XXXX ''. 

The discrepancy has since been turned over to a Debt Collection called Capital Accounts LLC. I have tried disputing it twice through the credit agencies, but they always respond with " meets FCRA requirements ''. When I opened the first dispute, the credit agency said that I would hear back from them in 30 days. It took over 8 months. 

I finally contacted Capital Accounts via phone on XX/XX/XXXX at XXXX CST. We had an 8 minute and 28 second conversation. I requested that they send me a copy of the original bill and proof that I owed the debt. I never received a letter from them. I've had their collectors call me and I explained the situation and their creditors actually hung up on ME! 

I have since found a new dentist and still have to get this tooth fixed before it causes me more problems. My new treatment plan shows that a XXXX  is needed for that tooth still and my new dentist has given me a letter stating that the tooth in question does not have a XXXX  and that a XXXX XXXX is needed for definitive restoration. 

The {$320.00} that I have already paid to XXXX XXXX XXXX XXXX covers the tooth build-up that they did twice over but I do not owe the rest of the debt since they would not complete the work. Their billing shows that they turned over {$710.00} to collections, but my credit report shows that I owe {$880.00}. 

Please help. I just want this off my credit reports so that I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
With Mr Cooper. I tried to do the forevearance on the back end but they said i was late on mortgage payment. I want to keep my home. Please call me at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
3rd attempt to clear inaccurate information from Department if Education/ Navient on my credit profiles. I reached out in 2020 and spoke with several reps and supervisors to investigate. i was told that they default status would be dee moved along with all negative credit updates. This was due to Navient reversing back to an outdated email address after i updated correctly. No correspondences was received via that email. A letter is attached that was provided to me as a temporary promise to reversing this error. Please send this to Navient immediately for credit profile to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My debit card number was recently compromised somehow, and fraudulent charges were made to my Wells Fargo account. Immediately after realizing this, I made my report to their fraud and claims Dept on XX/XX/XXXX. They have never contacted me regarding the issue, instead Ive had to initiate contact, which I have on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Beginning with my initial report, I have maintained that several of these charges were recurring payments, and I saw multiple charges as I quickly scrolled through my account that evening. It was clear to bot myself snd the person taking the call that a look back at all transactions would be necessary to determine an accurate total. 
In my subsequent efforts to follow up, I have received a much different experience than in the past, and unfortunately this isnt the first time this has happened to me. Each conversation consisted of me being told their policies and entitlement of time to investigate. I have responded by directing them to he fast that I am on unemployment, receiving less than 50 % of the income I have for the entire 13 years Ive banked with them. My balance was low, and despite my communication of this concern, I was assured that any and all missing funds would be given to me quickly, and that and overdraft fees assessed would be reversed. By the time the week ended I still hadnt received even a provisional credit. My account had gone into overdraft, which it would have had my number not been compromised and/or if I were employed. At that point, I literally had not even a XXXX to provide myself with any basic needs, food, or anything really. The amount still owed to me is mainly a sum of the overdraft fees, charged to me by the bank while they conduct their investigation. Meanwhile my unemployment check, which has decreased dramatically has now just been completely absorbed by the negative balance in my account, which was caused by the bank itself. They dont seem to understand that I am a human, who had their money stolen, and and they have only mage the situation worse and left me in a pretty awful spot. 
** see attached letter I sent them today.

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 monetary relief
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.

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 2021-09-23 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: TN

Complaint narrative:
On XX/XX/2021 I was on the phone with a XXXX representative trying to change a flight to XXXX. During that conversation the representative miscommunicated and mistakenly booked a ticket using my miles and purchased additional miles to make a transaction at XXXX dollars without telling me that it was only for one leg of the flight and I would have to purchase additional legs at a much higher cost than she communicated. I canceled that transaction and make the change myself online. She assured me that I would be refunded as the purchase was cancelled within minutes because she mistakenly purchased the miles without my consent. However, I have not received the refund yet. In addition, I did not receive an notification of the miles purchased, nor do I see any record of the miles on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MI

Complaint narrative:
There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its 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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened an account with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, I made two purchases for a total of {$130.00} and should have had a remaining balance of roughly {$1400.00}. On XX/XX/XXXX, I received a phone call from XXXX from Wells Fargo stating there was potential fraud on my account. When I tried to log into my account, I received an error message stating my credentials were invalid. I called Wells Fargo and was transferred roughly 5 times and told a claim would need to be made, however, the representative did not verify any transactions. The representative reset my account and told me a new card would be mailed and ended the call. I had to log in and file a dispute for the $ XXXX in transactions myself. Several transactions also appear to be duplicated? Whenever I call the fraud team, I am simply transferred to multiple people and no one is able to 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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a secured credit card through Citibank in the amount of {$1000.00} in XX/XX/XXXX. Paid on time every month. I made my last payment in XX/XX/XXXX. In XX/XX/XXXX I called Citibank to have my account closed there was a balance of {$910.00} owed at the time, they informed me my account would be closed and that my collateral holding would be placed on the account and if there is any amount after my balance was paid by my collateral holdings it would be mailed to me. I asked to have that in writing and mailed to me in which I received. Now they have reported to my credit report a charge off balance in the amount of {$280.00} on XX/XX/XXXX. On my credit report it shows there was payments being made after XX/XX/XXXX all the way until XX/XX/XXXX. Ive never made those payments.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its 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