vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
TD Bank USA/Targetcred # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am desperately trying to keep my home, and have repeatedly requested resolution thru a Loan Modification. Yet because I originally questioned the validity of the initial modification offer that was sent to me, and requested an explanation of some unsubstantiated charges, they have denied me the offer. 
Now they are saying that I no longer qualify for any modification??? 
All because I delayed accepting something that I informed them was inaccurate. So they have now began a retaliation against me, by denying me any modification, and filing a foreclosure. 
I again " PLEADED '' with then to avoid litigation, and assured them that I wanted to work it out, but they have repeatedly refused, and now I have had to hire an attorney, and now have a large amount of additional legal fees, because of their poor communication. 
Additionally, they ( Mr. Cooper ) has continued sending me conflicting amounts that am supposed to owe?? They communicate very poorly, and I am still very confused and frustrated. I would just like to get this resolved. - ASAP - " PLEASE ''!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX XXXX  XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
On XX/XX/2020, I called Chase Sapphire reserve to request assistance in refunding a XXXX XXXX   flight to XXXX on XX/XX/2020 that I am unable to take due to XXXX. 

The XXXX XXXX policy clearly states that refunds will be issued once flights are cancelled, however, I have been unable to do so ( see below ). 

I first attempted to cancel the flight with XXXX XXXX directly, however, I received a notice that the cancellation has to be done by phone, and every time I have tried to call since XX/XX/XXXX, I have received automated message that they are not taking calls due to high volume. I have also written several email and XXXX communications. 

I called Chase in the hope that they would be able to issue a refund and liaise with the airline directly, as they bill themselves as the premier travel credit card, however, the individual with whom I spoke said that because the flight has not been cancelled she would not do so. I explained that I live with my XXXX year old grandmother and am as such XXXX unable to expose myself to the XXXX  by flying to XXXX. 

XXXX XXXX was able to resolve another flight that I just had to cancel for similar reasons within minutes, so I know that Chase is in the wrong. Can you please help? I realize your office is very busy but I am a consumer who has been wronged and you are my only advocate! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX XXXX XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX XXXX XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: VA

Complaint narrative:
I checked my credit score and I saw a hard inquiry from XXXX XXXX. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different 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 explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent out numerous affidavits of dispute to TransUnion and XXXX  since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. XXXX  failed to provide such verification documents bearing my signature or methods to validate the account. TransUnion failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so XXXX  is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my TransUnion and XXXX reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I have 2 mortgages with the same company ; but, they have different offices which service the loan. One office is in compliance with all requirements, while the other has not sent a monthly statement in 5 months and has not sent a year-end statement of interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements. 

The address they are claiming that I had XXXX XXXX XXXX XXXX  account had an active XXXX  account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: Ditech Financial LLC
State: TX

Complaint narrative:
From XXXX to XXXX Agreement with Ditech Mortgage Company to allow my mortgage payments to be put at the back end of my loan to avoid late payments. Since XX/XX/XXXX I have asked for a historical account of my payment history after discovering the mortgage company reported the agreement as late payments. Every month I received the same form letter stating they would resolve this but nothing has been done and it is now XX/XX/XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX 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 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: NC

Complaint narrative:
Within the last month we have received 2 Netspend Prepaid Mastercards at our address with names of individuals that we do not know and that have never lived at our address. 
First card received was issued to XXXX XXXX and second card was issued to XXXX XXXX. I called the toll free number and refused the card from the first mailing. I could not speak to a Customer Service Rep by using the number provided because it's an automated system and there's no option to speak to a person. Why are these cards issued with our mailing address? 

1. XXXX XXXX # XXXX XXXX XXXX XXXX sent from Netspend 2. XXXX XXXX # XXXX XXXX XXXX XXXX sent from WesternUnion Netspend Both mailings have a return address of : XXXX XXXX XXXX XXXX XXXX, TX 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 2020-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lenmo Inc
State: TX

Complaint narrative:
Lenmo unlawfully conducted an ACH payment out of my bank account without my permission. The ACH payment was conducted on XX/XX/2020 on my bank account, with the late payment added, which I was told initially I would be refunded. I have attempted to contact them several times via email. 

I have proof of email communication, on that communication, it does not state I authorized any payment with Lenmo. The email communication has been attached with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: LA

Complaint narrative:
I have been submitting Public Service Loan forgiveness forms for the past 3 years. There is a lot of inconsistency in the Qualifying payments applied to my loans. Specifically two of my loans are " DLSCNS '' and " DLUCNS '', and Fedloan says that I have made 0 qualifying payments on the " DLSCNS '' loan and only 1 qualifying payment on the " DLUCNS '' loan.

I have no idea why these two loans would not be qualifying, as I work for a XXXX now, and I have been working at XXXX for about 4 years now.

Some of my other direct loans have discrepancies which say that there are 21 qualifying payments on some loans and 18 on others ; I am confused by this because I have been paying according to the PAYE plan this entire time. 

I have tried calling fed loan, but each time they try to get me off the phone as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Cabelas # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has terrible terrible terrible customer service and I will continue complaints every time my account has an issue, which their customer service team doesnt care to properly handle - at the 1-800 number. 
My account had a {$61.00} pending charge from XXXX  for 7 days. This cause several overdrafts even though the funds were on hold - that should have been released!! 
Furthermore, someone at Bank of America took off the {$170.00} leeway that had been added to my account, as the result of a past CFPB complaint and changed it back to {$0.00} - causing returns of all unpaids!! 
A deposit came in today for {$170.00} and BOA still processed another {$35.00} NSF based on a {$4.00} overdraft to a check that should have been paid. 
If BOA wants to keep the nasty customer service going, Ill keep the government complaints coming. 
Im tired of this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: GA

Complaint narrative:
XX/XX/2013 I & my now ex wife signed XXXX contract $ XXXX with deposit for a vehicle from XXXX & XXXX motors in XXXX, GaXXXX During the process of my divorce, XX/XX/2013 my ex wife was in possession of the car at time I was unaware was repossed. I never received paperwork of repossession, buy back option or collections on debt. I recently found thru credit reports the account is still open for {$10000.00} XXXX incorrect amount ) with 7 years late payments. When I called to find out why account was open, who was in possession of car ( XXXX XXXX XXXX XXXX XXXX, when was it resold & how I could resolve this, I was told it didn't matter they would continue to misrepresent my account as open with late payments for as long as they pleased to ruin my credit & prove a point to people like me, which is unprofessional & illegal thru fair debt act to falsify an open account with late payments on repossed vehicle that was resold. I was unaware of the situation & was only trying to resolve the issue, which could have been resolved 7yrs ago had I known.

Company response to consumer: Closed with explanation