vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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: TX

Complaint narrative:
data breach we would like the company to check into with XXXX XXXX   and Equifax caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

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 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been horribly mistreated by SallieMae, followed up by the same treatment from Navient, so I will never talk too them again. This company was aware of my XXXX XXXX XXXX when my private loans were taken out, because I told them about it, after I graduated and had a major relapse and can never work, they act surprised, and completely unwilling too help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: MO

Complaint narrative:
Equifax is reporting three accounts with 30 day late comments. All my accounts are paid through auto bank draft before the due dates. I have thousands of payments all made on time because I use this method of paying my bills. I requested they correct these accounts to be marked " paid as agreed '' never late but they have not corrected the issue. 

XXXX XXXX XXXX shows a XX/XX/XXXX 30 days late XXXX XXXX*** shows a XX/XX/XXXX 30 day late and XXXX/ XXXX  shows a XX/XX/XXXX 30 days late. 

All these accounts were paid on time like everything else on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

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 2019-10-04 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different  reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

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 2019-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

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 2019-10-04 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: MO

Complaint narrative:
Experian is reporting 3 different 30 day late payments on my Credit report. I have paid thousands of payments on time because they are all set up on automatic bank draft. These three accounts were all paid on time and are reflected as so on the other credit bureaus except Experian. I sent letters but they come back " Verified '' I do not know how something can be Verified when it is incorrect? I have over 16 years of perfect payment history on my Credit reports and these three errors are causing me great distress. 
XXXX/XXXX XXXX shows a XX/XX/XXXX 30 days late. 
XXXX XXXX shows a XX/XX/XXXX 30 days late and XXXX XXXX*** shows a XX/XX/XXXX 30 day late.

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 2019-10-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN GOING BACK FORTH WITH THIS EQUIFAX, XXXX, AND XXXX XXXX. THEY HAVE NOT GIVEN ANT VERIIFACTION. I SPOKE WITH THEM ON THE ON THE PHONE TODAY. THEY HAVE MADE AN ERROR AND WAS NOT GON NA CORRECT IT. IF I WOULD HAVE NOT SAID ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX I was involved in a vehicle accident that totaled my XXXX XXXX Infinity vehicle I had just purchased in XX/XX/2019. I had a lease on this vehicle and then refinanced it to purchase it at the end of the lease. Because of this, i was not advised or informed by the bank ( Infinity Financial ) I would be losing any gap insurance protections. 

As the car was declared a total loss, my insurance company only paid out approximately {$21000.00} as they claimed that was the value of the car. My loan balance was XXXX, therefore I have a deficiency balance of {$8000.00}. I understand I am responsible for this balance, as tragic and unfair of a situation as this is. 

However, the problem with Infinity Financial is that we had a deal that my monthly car payment would be {$470.00} a month. I have been ONTIME with my payments, even after the car was declared a total loss. They are co-ercing me into paying them the full remaining balance in one lump sum, monies I keep telling them I have no access too. If I had the ability to just write a check for {$8000.00} ... .well I wouldn't be here. 

Everytime I speak to them it's a nightmare. They insult me and threaten me with credit reporting damage and promise me this account will go to collection if not paid in full by XX/XX/XXXX. I don't understand how I'm supposed to come up with $ XXXX However I can still continue to pay {$470.00} a month until I am able to secure a loan for {$8000.00} to pay them off. 

The sad part about this, is I am willing to pay the {$8000.00}. I just need TIME to secure financing from a local credit union here in town that will give me a personal loan to pay off Infiniti Financial. However, there threat of negative credit reporting will completely render me unable to obtain this personal loan as it is a requirement by ANY lender that I have a good credit score to qualify. If Infinity Financial makes good on there threat of ruining my credit, well then I can't possibly borrow money from my credit union to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called JP Morgan chase bank to close my sapphire bank and account including my other accounts yesterday XX/XX/2019 and XX/XX/2919,  reasons for this because there customer service is terrible and disrespectful, not being understanding with me considering my age and health issues. because due to my health condition I want out of this terrible non understanding bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for Credit Collection Services in the amount of {$190.00}. I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me. I have also received a collection in the mail saying that I owe money but it does not state that I have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Washington Collectors Tri Cities Inc
State: WA

Complaint narrative:
Court related debt stemming from XXXX. Agency took on collection for county court. All debts paid to courts in XXXX XXXX County and XXXX county WA. Settled with Washington Collectors in XXXX also for all remaining fines. {$3500.00}. Collectors did not report as paid, continued to accrue interest and held my license. Were subsequently paid again to release license. Contacted them about these matters and they told me they were never paid. Still saying I owed them over {$7300.00}. Contacted courts which said was reported partially paid. Was not given resolution and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
Planet Home Lending ( PHL ) is currently servicing my home loan. They are claiming that I signed for a trial loan modification based on these terms ~ {$1100.00} payments due XX/XX/2019, XXXX XXXX & XX/XX/2019. They are claiming the modification documents were sent out on XXXX and you returned them on XXXX. PHL never modified the loan on a permanent level, which is a violation of CFPB and HUS servicing law. Instead they have pushed the case into foreclosure and have set a foreclosure sale date for XXXX. PHL also claims that they do not have records from the prior servicer, since they took over this loan XXXX, which is a violation of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), They also do not show any record of the IN 32-30-10.5 mediation hearing notice or the FHA face to face meeting notice requirement was met. Both of these are violations of Indiana State Law and The False Claims Act ( FCA ) aka Qui Tam. Since PHL is refusing to cooperate on this matter, I am seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
We have an important message from debt Recovery Solutions. This call is from a debt collector. Please call XXXX XXXX. That number again is XXXX  XXXX. Thank you. 

Date XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Contacted Comenity Bank numerous times regarding a mycash master card application. Was constantly transferred from department to department, dealt with rude reps and poor customer service. I spoke to management who was also unable to provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text message from the Chase Fraud prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the fraud prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/XXXX the transaction posted on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction. They gave me a phone number for the merchant that was an invalid number. I tried to XXXX the company but was unsuccessful in reaching anyone. Days later I received 7 exact creams that seemed to be packed in a house with no return address, phone number, or any contact info for company. I reported this to chase as well. I have these creams exactly as they arrived in case they made contact with merchant and wanted me to return. I received a letter from chase stating they had found transaction valid and would be withdrawing the monies from my account. I called and basically was informed by chase that they have labeled my claim as a fraudulent claim after I reported this was not an authorized transaction 5 days prior to it posting. Representative and supervisor refused to transfer me to a manager. I feel chase has violated by consumer rights. They are penalizing me for there failure to act appropriately and timely. If they would have canceled my card on XX/XX/XXXX all this would have been avoided. I believe that my information might of been hacked into and Chases failure to act has caused this. Initially Chase stated the transaction/merchant is XXXX XXXX - default which is what shows on my bank transaction. The creams have a label for XXXX. Today when I contacted chase they refused to give me the merchant information that they claim to have contacted to verify the validity of the transaction and after a long discussion the Supervisor only gave the the name of XXXX  as a merchant which is completely different than what was posted on my account. I feel violated and insulted by the remark by Chase that I submitted a fraudulent claim. My complain is against Chase and against those companies that are committing Fraud and obviously hacking into accounts to take people money. I would also like to pursue legal action against Chase and that company. Not sure if you can provide me with guidance on what to do next. In advance, thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
An account associated with XXXX XXXX XXXX located in Minnesota has been reported to my XXXX, XXXX and XXXX credit profile. I have requested the debt to be validated under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed every time to validate the account. I have also faxed and mail other requests only to not receive a professional and proper response. Unfortunately, XXXX XXXX has NOT validated the debt from 2014 nor have they responded to any other requests regarding the account in question. I mailed my very last correspondence to notify that I would be reporting to the CFPB. I look forward to hearing from your agency.

Company response to consumer: Closed with explanation