vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
This bank charged me {$1.00} this is ridiculous they tell customers to swipe their debit card as credit to avoid this fee this is ridiculous only bank I know Charging a fee to use your card with a pin its a secure way to Shop but they want to charge {$1.00} for every pin based transaction this should Be free I should have the right to use my money however I want without being penalized with a fee valley get rid of this XXXX  fee once and for all other banks dont charge this only you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
in XXXX of 2019 ditech mortgage sold my mortgage of 20 years to new/rez/shell point mortgage .resulting in catastrophic results to my credit scores! Shell point insist they have reported to all of the credit bureaus in which XXXX and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX XXXX XXXX DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with shell point AND XXXX XXXX without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: LJ Ross Associates
State: MI

Complaint narrative:
On XXXX XXXX, I sent a certified letter to LJ Ross Associates, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but XXXX still has it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: MI

Complaint narrative:
On XXXX XXXX, I sent a certified letter to XXXX XXXX XXXX, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but Transunion still has it.

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 2019-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I applied with amplifier to Borrow some money I didnt realize they were charging 30 % for it and they said they sent me a notification in my email but I did not see it when I signed up for it. Interest is maybe 8.00 a day. Not sure. I borrowed {$700.00} but payback ending up over $ 2,000.to 2,500. If I remember correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc.
State: NY

Complaint narrative:
My husband and I received a letter from a company called Allied Account Services Inc. with the phone # : XXXX-XXXX-XXXX  and an address of XXXX XXXX XXXX, XXXX, NY XXXX suggesting that they are trying to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/19. I knew we had no outstanding amount with XXXX XXXX XXXX and confirmed in my records and with XXXX directly that everything was paid. XXXX confirmed that they were in no way attempting to collect a debt and that this company, Allied Account Services Inc., is a fraudulent company trying to collect false debt. The amount was {$14.00}. I assume they chose this amount, hoping it was low enough that we would just pay the debt without checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: WV

Complaint narrative:
XXXX XXXX SENT MY ACCOUNT - XXXX - TO COLLECTIONS AFTER IT WENT INTO DEBT ( I WAS IN XXXX ) XXXX XXXX DEBT COLLECTOR - XXXX XXXX WAS CONTACTED - AND THE DEBT WAS SATISFIED. XXXX XXXX HAS FAILED TO UPDATE MY CREDIT RECORD WHEN VERIFICATION WAS REQUESTED. XXXX XXXX WAS SEND ( 3 ) LETTERS - 1 Y CERTIFIED MAIL - WHEN COPIES OF THE DEBT PAYOFF - YET, THEY HAVE DONE NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
DEBT IS STILL SHOWING AS AN ACTIVE COLLECTION ACCOUNT - SUBMITTED DISPUTE W/ CREDIT REPORT. CONTACT THE DEBT COLLECTOR WHO STATED THEY COULD NOT DO ANYTHING ELSE. - EVEN THOUGH VERIFIED DEBT IS PAID IN FULL. MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I had car leased from XXXX XXXX ( XXXX, NJ ) and at the end of the lease decided to purchase it. The car was financed from XXXX XXXX XXXX  in the amount of XXXX which was disbursed to the dealership on XX/XX/2019. The funds should have been used to pay it off Honda Financial loan but as of XX/XX/2019 it never happened. I dealt with XXXX XXXX, Finance Manager and the general manager at  XXXX XXXX, XXXX XXXX ( General Manager ) who have under the pretense of a recent purchase of the dealership that occurred on XX/XX/2019 continue to find all excuses not to transfer the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CA

Complaint narrative:
I have contacted XXXX & Experian several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX AMOUNT - {$940.00} This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX. I disputed it immediately with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX  are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA 4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have Experian basic membership. I want to just have my credit report frozen. Won't do it unless I sign up for credit lock services. Credit lock is supposed to be free.

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 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/19, a woman claiming to be XXXX XXXX with Pioneer Credit Recovery called a neighbor that I barely know in an attempt to harass and embarrass me and disclosed private information in  what has to be a violation of the fair debt collection practices act.

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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am ka victim of long time identify theft Fraud and all money 's stolen out of my Chase bank account for years finally leaving me penilesd as I tried to dispute all fraud and bills included in only one chapter XXXX in XX/XX/XXXX no chapter XXXX  was ever followed thru yet it's continually reported. Chase never got my money back I paid an extra 2 payments on my car but they said they did not receive them and repossessed my car when I only had 1 late payment after a breaking in entering my home all monies stolen valuables and property damage terrible insurance company looking to find a way to deny my claim not right I've been a fraud victim I've also had 3 mortgages put in my name each on for {$670000.00} thousand dollars and 2 are grad allowed by my mortgage company who denied then yet in 2  we're taking me to foreclosure and the one mortgage I do have with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX have increased the amount it's completely wrong I need help before they sell my home my phone had to be changed 3 new cell phone 3 computers broken a printer and electricity in the home XXXX XXXX XXXX XXXX XXXX nv XXXX please help me before I lose everything I've worked for I have 2 police reports 16 affidavits of all this. I thought I would be XXXX  when I heard 2 ex roommates say " let 's do whatever it takes to get rid of her and we'll take the house. I was unaware they knew one another they broke in entered destroyed property their names are XXXX XXXX. XXXX and XXXX XXXX XXXX I'm petrified all the time so please investigate bank Chase and XXXX XXXX XXXX   they after XXXX took 10 years off my loan then doubled it they too want to get me to not be able to keep my home I've been in since XX/XX/XXXX please investigate that modified loan not fair harsh not manageable that's why I got roommates because of doubled mortgage thank you for anything you can do I'm also XXXX XXXX XXXX 19 hospitalizations so I need the 10 years back on my mortgage and monthly lowered if u can help if appreciate it very much Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following company did an unauthorized inquiry on my credit report, I do not have an account with these companies and i want theses delete from my credit report. Dates inquiry were made : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-21 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX. BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, I HAVE BEEN CALLING AND FAXING THEM ANY INFORMATION THEY NEED BUT YET THE ACCOUNTS ARE STILL NOT REMOVED. AND THIS PROBLEM IS ONLY WITH EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone at a cellular mobile store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
This is in continuation to complaint XXXX which Quicken Loans has closed without providing a resolution. 
I have attached a document which is the estimate and it shows adjustment and credits of {$6800.00} and they never gave explanation of this amount. They said that the tax credits was {$5300.00} so if that is the amount then how come they gave me a document which shows {$1500.00} more credit and it can not be earnest money deposit as it is mentioned separately in both the documents. 

So now they are contradicting their own statement and they didn't answer any question what I asked. I never attached the document which shows {$5300.00} and I asked the explanation of {$6800.00} but they didn't mention it in their reply. So if the tax credit was {$5300.00} then that means they applied additional discounts in the initial estimate at least for the amount of {$1500.00} but they took it off when they saw that closing amount is less and I am asking for the same credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone at a XXXX XXXX store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information

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 2019-06-21 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:
THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY REPORT.

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 2019-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Manager, I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you. 

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly. 

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX XXXX. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.

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 2019-06-21 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:
THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY REPORT.

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