vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 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: VA

Complaint narrative:
I asked Experian Credit Bureau to remove 3 accounts that were opened fraudulently and are now close. this accounts even though they are now close still hurt my reputation as a consumer since they are reporting negative information on my credit file. 

The accounts are as follow. 

XXXX XXXX XXXX, XXXX Closed XXXX XXXX XXXX XXXX. XXXX Closed XXXX XXXX XXXX.  XXXX Closed I asked experian to block this accounts on the basis of FCRA section 605B which states " a consumer reporting agency shall block the reporting of any information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency. I have enclose XXXX XXXX XXXX Police Fraud Case Report - XXXX to prove that a fraud case is on file. 

XXXX Consumer Solutions has remove this accounts from my credit file why is Experian refusing to follow Federal Law?

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 2018-05-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06 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: IA

Complaint narrative:
I'm XX/XX/XXXX I pulled a copy of my report and found several accounts that I had no recollection of. I have sent letters out to the credit agency 's since XX/XX/XXXX until XX/XX/XXXX. Each time they state it's verified with no info as to the verification used and who verified it. I have also noticed that the dates are also incorrect and they couldn't even get that right which leads me to believe it has never been looked at. The accounts uploaded should both fall off in XX/XX/XXXX not XX/XX/XXXXor XX/XX/XXXX. This also shows me no one truly is looking at it. I've made numerous calls and they either claim there system is down, they couldn't see my I'd clear enough or they don't know what I'm disputing. I also have copies of each letter sent I could also provide if needed as well as tracking numbers show I g they have it all.

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 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a Chase XXXX XXXX  card which I closed when the annual fee hit. Chase has refused to credit/refund the annual fee in violation of both the terms of the card member agreement and federal law. Chase claims it will take 60-90 days to credit the annual fee back and that if I do not pay it now they will charge interest and additional fees on the closed account and report the account as delinquent to all three national credit bureaus. This is simply not allowed under law. Chase should immediately remove the annual fee - it does not take 3 months - they are only doing this to either ruin my credit or obtain additional revenue from the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX applied for line of credit home equity loan with Bank of America XX/XX/XXXX received letter from BofA disapproving loan application due to debt is high relative to income and " based in whole or part on information in credit report from XXXX XXXX ''. This was incredible given my qualifications for the XXXX or XXXX HELOC, including about 900k in equity, about 800k in savings ( IRA ), and credit rating of XXXX.

The letter also informed me of my right to request disclosure of information used to make this illogical decision.

XX/XX/XXXX I sent written request to BofA exercising my right to request disclosure of information used to deny me the loan, including information from XXXX XXXX that was used to disapprove my application. I requested the information be provided by XX/XX/XXXX.

XX/XX/XXXX I sent letter to BofA formally requesting withdrawal of my loan application and demanding that BofA not place any type of lean on my property. I informed them that I am still awaiting information requested in my XX/XX/XXXX that I expected by XX/XX/XXXX.

XX/XX/XXXX I still have not received requested information as I was informed I have a right to receive.

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 2018-05-06 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called XXXX who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.

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 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I switched hazard providers, and sent to Ditech Escrow department the balance of the escrow refund from previous provider with instructions to apply toward escrow. Ditech incorrectly applied these funds. The amount sent was {$1700.00}. Part was applied towards a payment and the rest towards escrow. This resulted in a much higher monthly payment. I called 6 times, spoke with a representative / manager and each time was told that this was recognized and corrected. It has not been corrected and when I now make my monthly payment, it ends up in an " UN-applied funds '' account. This has made me delinquent and causing negative credit reporting. No one has been able to correct my account, included manages that have promised my confirmation call or email to verify the correction of the misapplied funds. 
HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I signed up for the Chase XXXX card in XX/XX/XXXX when the card was offering a " uncapped anniversary free night at any of their XXXX   hotels. '' On XX/XX/XXXX, they announced all customers would have their uncapped night limited to XXXX points and with a very resteictive list of hotels. They then backtracked a little and allowed said " customers who signed up from XX/XX/XXXX to XX/XX/XXXX will still get an uncapped anniversary free night their first year. '' That leaves all customers who still signed up for the offer ( who haven't had the chance to redeem the one year annivery night even once ), that can't redeem their uncapped and unrestricted night. I am a customer who did not get this option due to singing you " at the wrong time ''. I contacted phone support and they stated that all customers are being downgraded within the year, but that still allows most customers that are within the XX/XX/XXXXto XX/XX/XXXX window to use their free night. I feel like I've been ripped off. How come I don't get the first year unrestiected night like the people who signed up after XX/XX/XXXX? As of XX/XX/XXXX, anyone who signed up before XX/XX/XXXX falls under the conditions with the restricted night, even if they have no had the opportunity to claim a unrestricted Anniversary night. This is unfair to the consumer. I want this fixed. I want this to be fair. Be right like all normal credit card companies and grandfather in the customers for their first year, it's only fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 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: CA

Complaint narrative:
they are reporting a collections and negative account on my transunion credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect 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 2018-05-06 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: SC

Complaint narrative:
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 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: IA

Complaint narrative:
In XX/XX/XXXX I pulled my report and noticed there accounts that I had no recollection of. I since have sent letters from XX/XX/XXXX to the latest XX/XX/XXXX to get this resolved. Each time they claim it was verified with no supporting documentation as requested. I have also noticed the dates are innacurate as well. They have a fall off of XX/XX/XXXX and XX/XX/XXXX when they both should actually be XX/XX/XXXX. This shows me that no one truly verified anything because this would have been corrected by now. I have reached out many times to them and they each time is a new excuse. They either can't ready my I'd which I have copies of everything sent. They have been unable to tell me who and how anything was verified and tell me just dispute it again and again. The system was down or could be pulled up or they weren't sure what I was asking of them. Each letter I sent does have tracking information as well that they did receive it.

Equifax has added and removed these over and over from what i can tell in my credit monitoring updates.

Attached is the accounts in question. Equifax has not sent me an updated report so I will upload experians. Looking at my credit monitoring it shows the same pattern and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 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: I.C. System, Inc.
State: CA

Complaint narrative:
they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect 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 2018-05-06 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: Grant & Weber
State: CA

Complaint narrative:
they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect 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 2018-05-06 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:
EXPERIAN CREDIT REPORTING IS REPORTING A NEGATIVE AND FRAUDLENT ACCOUNT ON MY CREDIT FILE AND IT IS A FRADULENT ACCOUNT NOT BELONGING TO ME. I HAVE SENT THEM SEVERAL POLICE REPOERTS AND REQUESTS TO REMOVE THIS FOR OVER A YEAR AND IT WAS REMOVED AND THEY NOW JUST RECENTLY ADDED IT BACK ON MY CREDIT FILE. THIS DOES NOT BELONG TO ME THEY ARE ALSO REPOERTING AN ACCOUNT I HAVE OPEN AS CLOSED AND I HAVE NTOIFIED THEM OF THIS NUMEROUS TIMES AND THEY HAVE IGNORD MY REQUESTS TO PROPELRY ADDRESS THESE ISSUESS. T THEY ARE IN VIOLATION AND CONTINUE TO BE AFTER DISMISSING ALL MY REQUESTS

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 2018-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My address is XXXX XXXX XXXX, XXXX, FL XXXX. I have had the same address sinceXX/XX/2004, that is, FOURTEEN YEARS. Experian continues to put the wrong address on my credit report. 
I have filed three complaints with this company asking them to correct my address. The Experian company has instructed me to send a copy of my driver 's license and utility bill, which I have done, three times. The address remains incorrect. 
I have never ever lived at any of the three addresses that Experian is listing on my credit report. 
This incorrect information is continuing to cause me problems. 
Please get Experian to purge the three incorrect addresses once and for all and to put in my correct address. Experian already has three copies of my driver 's license, from the three previous times when I  have tried to get this corrected.

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 2018-05-06 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:
Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America is still reporting a balance and outstanding account opened and this account was to be closed and reflect a XXXX balance do to fraud and them not properly handling and closing the account and remaining to let it continue they are in violation of the credit regulations and rules and still are reporting this on my credit files which it should not be I would like this fully handled at once I have reached out on this for over a year now

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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX support team as I couldn't login to my XXXX account. Got an email with Case # XXXX that the case is assigned to a specialist for review. Till today ( XX/XX/XXXX ) even after 45 days, there is no solution from the XXXX support and still can't login to XXXX  account. My funds worth almost {$12000.00} got locked in my account and couldn't access them. Contacted XXXX  support several times but they are still saying the account is under specialist review and no way to contact that department directly. I got huge loss in this mean time as crypto market crashed and I couldn't sell the coins in my account. 

I need access to my XXXX account to use my funds. Please help me in getting the access back to my account so that I can login and use the funds. Please help me at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.

Company response to consumer: Closed with non-monetary relief