vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 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:
this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX  Contact Address XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment HistoryXX/XX/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 2018-04-11 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:
this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
I was a victim of ID Theft. I sent a Dispute Letter to Midwest Credit Collections on XX/XX/XXXXand another onXX/XX/XXXX of which they sent ME billing statements of the alleged debt but not a contract with my signature specifying that it was me who signed a agreement for the alleged debt. I enclosed a copy of the ID Theft Affidavit as well as the Dispute Letters sent to Midwest Credit Collections of which all of the fraudulent accounts listed on the Affidavit have been removed from my Credit Reports EXCEPT Midwest Credit Collections and one other of which I am also filing a complaint, all well as filing a law suit. Is Midwest Credit Collections above the Law??? The FDCPA and FCRA!!!!

Please also include Account # XXXX   1/.XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Flagstar Bank of XXXX Mi sent me a {$300.00} refund from escrow as bal to high, then increase my escrow needed to cover XX/XX/XXXX. They refuse to keep {$190.00} & send a refund {$110.00} & leave escrow & payment same. I refinanced RE due to divorce with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXthen sold to Flagstar Bk.

My last mtg holder XXXX XXXX XXXX always gave me option to pay more n escrow & leave escrow & pmt same. Flagstar flat refuse any option. I ask them to sell mtg to another bank & refuse.

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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
OnXX/XX/XXXXI spoke with American Express about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later than XX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX who said she was representing XXXX at XXXX telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from XXXX called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with American Express regarding the payment plan to which he told me that was past the due date. Additionally, I requested that XXXX no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael Haynes & Associates, LLC
State: OK

Complaint narrative:
I received a phone call from my father that a rep, XXXX, told him she was an attorney representing someone who was going to arrest me. I called the number he gave me from my office as it sounded urgent, scary, and I have no reason for someone to threaten that. I got on the phone with a gentleman who refused to identify himself. I told him I was calling from my work phone and to not call that number or my father. I asked him what attorney it is and why she would say I was to be arrested. He told me he listens to everyone 's phone calls and no one would say that. I told him that is what my father said. He told me my father must have been confused. I told him my father does not get confused. The rep scoffed but said okay. He then gave information about the account I supposedly had, which was completely foreign to me. He then said it was a business account, and the name is something my ex-husband used to call our daughter. I advised the rep the account was not opened by me and that I would like information to report the account as fraud. He told me since it was someone who had access to my computer that opened the account that it is not fraud and I am liable. I told him that someone taking your information and opening an account it identity theft. The rep began to taunt me and asked if I was an attorney. When I told him, no I am not an attorney, that I am a XXXX XXXX he was laughing. I asked again for info in order to report the account. He just continued to tell me it wasn't fraud. Since I was at work and he was not helping me, I hung up. The rep then called my father again, despite being told not to, to give my father the account information he refused to tell me and to tell my dad I am very rude. The rep then called me again, at work, despite being asked not to. He said he didn't appreciate being hung up one. I told him he can not call me at work. He then told me he could, and again am I a lawyer to know he can't? I let him know that I had looked up the company website and found that is a non-attorney rep so wanted to know why he wanted to taunt me over not being an attorney when he is not, either. He told me I am a " very rude XXXX '' and that I had better hire a lawyer and hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

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 2018-04-11 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: TX

Complaint narrative:
Our payment forXX/XX/XXXX was not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXandXX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXXwas paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXXand it was paid on XX/XX/XXXX( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXXand late for XX/XX/XXXXfor our XXXX XXXX   account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan sinceXX/XX/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 2018-04-11 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: TX

Complaint narrative:
Our payment for XX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on theXX/XX/XXXX was paid on XX/XX/XXXX ( 8 days past due ) and XX/XX/XXXX payment was due on theXX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for ourXX/XX/XXXX account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Our payment forXX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid bothXX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX( 8 days past due ) andXX/XX/XXXXpayment was due on theXX/XX/XXXXand it was paid onXX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX. I called XXXX to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXX and late for XX/XX/XXXX for our XXXX XXXX  account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflecting XX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/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 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I recently rolled over a federal student loan from XXXX XXXX to XXXX XXXX. SoFi overpaid that loan by more than {$800.00}. XXXX claims they issued a refund of the overpayment to SoFi in XX/XX/XXXX. Despite requests, SoFi has not posted that money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: FL

Complaint narrative:
On my Equifax credit bureau report, there is a " hard '' inquiry listed by XXXX/XXXX  that is outdated. 

I have contacted both Equifax and XXXX in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had requested an early cancellation of my Primary Mortgage Insurance ( PMI ). This request was initiated in XX/XX/XXXX. At this point, Chase sent me a letter with XXXX XXXX as the primary investor on my conventional loan stating that an appraisal was required to ascertain value/loss of value in the home. The purchase price in XX/XX/XXXX was {$320000.00}. The appraisal value returned on XX/XX/XXXX at {$350000.00}. At this point, my LTV % was 79 %. Chase/XXXX XXXX DENIED my PMI Cancellation stating that the actual number was needing to be 75 % or less LTV. They are not stating facts clearly, or fairly. I requested Chase to send me terms of cancellation after 5 years ( which I cross my 60th payment on XX/XX/XXXX. They are demanding a new appraisal, AND STILL will not tell me CLEARLY what requirements need to be met in order for them to agree to cancellation of PMI. The appraisal is greater than 120 days ( just barely ) but they will not honor it, instead DEMANDING a new appraisal at MY expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Morgan Bank announced to me that they would be raising my interest rate from 9.74 to 14.74 % despite a perfect payment history and excellent credit. They claimed that everyone had this increase although I have reason to believe that this is not true. They said they raised my interest rate because they no longer will offer a lower rate and it will bring my rate in line with the other users. So, they are claiming that those with good or bad credit were all given the new 14.74 % rate. They said that this is the case for this " card product. '' When I inquired as to the other " card products '', they refused to respond. I left emails, personal messages and voice mails with my local Chase Bank, with the Delaware office, and with their " Premium '' supervisor. The only one who communicated with me was the " Premium '' supervisor who refused to give me information on the other card products and I might be able to apply. I filed a complaint with the XXXX XXXX XXXX. Chase refused to disclose their follow-up letter to me which stated, in a terse and unprofessional manner, that they had already responded to me on this issue and their decision remains intact and final. I have reason to believe that their knowing me to be XXXX is another reason why they unjustly decided to raise my interest rate through the roof with no justicification whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: TX

Complaint narrative:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

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 2018-04-11 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: TX

Complaint narrative:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation