vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 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: MO

Complaint narrative:
It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX  XXXX XXXX {$30.00} 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX  XXXX XXXX {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}

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 2019-05-12 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: MO

Complaint narrative:
The following accounts are not mines and I'm demanding that they be removed or it is your duty to provide me with physical documentation as oppose to the accounts being electronically verified. As a general rule of law electronic Verification can not be accepted as proof. In accordance with Section 611 and the FCRA I'm requesting the following accounts to be removed immediately from my credit file. 
1 ) XXXX {$72.00} 2 ) XXXX  {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  XXXX {$680.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX {$5700.00} 10 ) US Dept Of Education {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/2019 a company named National Credit Systems from XXXX, GA contacted me in XXXX XXXX, TX by letter and email. They stated that I owe them XXXX dollars for the owner of XXXX XXXX in XXXX XXXX, TX. They have continued to gain these monies by sending threatening lawsuit letters to me and my relatives. I have asked them in XX/XX/2019 to send me verification of this debt and they have not or refused to. Being that this company is located in another state I do not know how to validate or dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
My husband and I were in a repayment plan because we fell behind on our mortgage due to a temporary loss in income in early XXXX due to the fact that I had my XXXX replaced due to XXXX XXXX. I am XXXX XXXX and my husband has regular wages however I make more money than he does. Anyway the repayment plan almost doubled our mortgage. We received a 90 day notice from XXXX mortgage attorney in XX/XX/XXXX which is why we were put in a repayment plan which stopped the pre-foreclosure process. I had a car accident on XX/XX/XXXX which left me with XXXX in my XXXX   and XXXX, and unable to XXXX  without a XXXX XXXX. We struggled to make the payments up until XXXX of XXXX and many of our bills fell behind due to the loss in my income, and at the same time they switched our mortgage services from XXXX to PHH mortgage based in NJ. We contacted PHH and told them our predicament and they advised us to apply for mortgage assistance ... ..they said we didnt qualify for a loan modification because we had 3 in the life of the loan. They then told us to apply for other programs and we did and they lost our paper work. We then sent in new paperwork via certified mail with a signature and they denied us again because we more than 90 days past due in which they already knew. Every time I call the customer service reps seem to not be knowledgeable about whats going on. They seem to be trying to stall the process so they can foreclose. Anyway, as of XX/XX/XXXX I went back to work and stopped XXXX XXXX  against my doctors suggestion because I needed to get back on track financially. After they denied us the third time, I asked for a new payment plan an they said no because we were in active foreclosure. I called their attorney for the court filing information however they said nothing was filed. A local agency looked over our income and situation and told us to take the summons to the court however as of XX/XX/XXXX per their lawyer there is no such document only the 90 day letter drafted in XXXX of XXXX. I then called PHH mortgage again and told them what their attorney said, thus asking for a repayment plan and they said no, even though there is no active foreclosure at this time. I provided them with my medical and hospital records and nothing was looked at. Also my daughter is in the XXXX XXXX XXXX and this is her residence as well but they did not seem to care. This company constantly provides us with misinformation and their home retention team is awful. Apparently there are only 2 programs that can help and we dont qualify for anything. We want to stay in our home and we are willing to catch up the arrears if giving the opportunity to do so. I was a XXXX  employee for 14 years prior to becoming XXXX XXXX and my husband works for the XXXX. XXXX therefore we have the income to recover. The recent mortgage servicer change has proven to be a nightmare. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: NM

Complaint narrative:
Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: NM

Complaint narrative:
XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently..

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 2019-05-12 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: VA

Complaint narrative:
I'm demanding that these two 2 ) major credit reporting agencies ( Experian & XXXX  ) either provide me with a signed contract with the companies inwhich they are reporting or remove the unauthorized accounts immediately..And as a general rule of law electronic Verification can not be accepted as proof. I'm disputing the following accounts 1 ) XXXX XXXX XXXX 2 ) XXXX/ XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX 5 ) XXXX XXXX  XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX   XXXX 8 ) XXXX  XXXX Please remove the accounts

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 2019-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On date XXXX XX/XX/2019 i received an email from PayPal stating that my account was permanently limited and that i couldn't use it anymore. 
Moreover they decided to hold my balance ( more than 600 $ ) for up to 180 days. 

I phoned PayPal and the worker told me that it has been a massive limitation that included hundreds of accounts and that there is nothing that can be done. 

I decided to read the entire " Terms and Conditions '' of PayPal and i read : " PayPal can hold the available balance on the customer 's account up to 180 days to cover itself from claims or chargebacks, the funds will be released after 180 days from the last received payment ". 

The problem is : I received NO payments at all in the last 180 days ... my last received payment is something like 200+ days ago. There is absolutely no risk of claim/chargeback on my account and you are holding my money with no reason. 

This is against your own " Terms and Conditions ''. 
PayPal should have already released my funds, they can't hold them when there is no reason to do it. 

I request the release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Wells Fargo continues to act in bad faith by charging me in the Payoff Statement their duplicated negligent payment of {$720.00} Hazard Insurance ( HI ) to XXXX. I'm already paying this XXXX HI amount directly to them. 

Can you enforce Wells Fargo to remove this {$720.00} amount and adjust my payoff amount? 

2. The Payoff Statement charges {$190.00} for recording fees but XXXX XXXX County Registrar charges {$15.00}, for decades, including 2019! Nearly all banks charge between $ XXXX- {$20.00} bucks. 

Can you ask WF to to charge the typical fee charged by most banks? They are gouging me! 

3. Can this be resolved by XX/XX/XXXX as this is the last day to payoff my house?? 

thank you CFPB!

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 2019-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
My contract for my vehicle states I have a 15 day grace period. I have NEVER been 30 days past due on any car loan ever. Nissan called me repeatedly on day 6 and day 7 in an attempt to collect a debt. Nissan has never contacted me before the 15 day period has elapsed, why are they calling? It appears they are trying to change the terms of the contract.

Nissan and NMAC are the worst companies to deal with. Nissan dealer damaged my vehicle and did not inform me. I had to make two additional trips to get the damage they caused repaired. Nissan offered two oil changes in compensation for my inconvenience. I complained about Nissan to the State and I believe these calls are in retaliation for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX credit card account is not reporting on my XXXX and Experian credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

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 2019-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX credit card account is not reporting on my transunion and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

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 2019-05-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX credit card account is not reporting on my XXXX and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
There is a company named Credit Management LP attempting to collect an alleged debt in the amount of {$300.00} for XXXX. This debt is a result of fraud and I do not owe this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: OH

Complaint narrative:
19 LOW IMPACT You have 2 recent hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 

XXXX Pro Tip Use our Approval Odds before you apply to help avoid unnecessary hard inquiries. 
Try this autopay hack Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: AL

Complaint narrative:
I have a repo with XXXX XXXX that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

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 2019-05-12 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: AL

Complaint narrative:
I have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: AL

Complaint narrative:
I have a repo with XXXX XXXX  that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

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 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is re : Synchrony Bank/Banana Republic. 

Back in XX/XX/2018, I should have had about $ XXXX {$90.00} in rewards dollars in my account, but figured it was a glitch. I started dialogue with Synchrony/Banana Republic in XX/XX/2018 when I discovered that those dollars were gone and I didn't use them. Since then, I have been trying, via using the message feature within my account and phone calls, to try to get this problem solved. I was told that this resulted from a glitch in their system, yet I am constantly told they are " researching my issue ''. 

I have been pursuing the reinstatement of lost rewards ( which is actually well over original amount now since I have made additional purchases. The company might say they have sent me replacement certificates ( back in XX/XX/2018 ) for the rewards dollars, but the links never worked and they are aware of the links not working. 

I have kept a very detailed summary ( timeline ) of this issue, which I am more than happy to share. I am not going to link it right now, but will if it's deemed as something that will be useful. 

I am at the point where I believe that my issue has not been handled properly and that it's best to move to the next step. Thank you.

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 2019-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello CFPB, I am XXXX XXXX had a credit card with the Bank of America card ending XXXX however I called and spoke with someone not remembering her name unfortunately. She helped me to closed the account with XXXX   balance and later I received email from BoA noticed that I still had a balance {$17.00} I ignored the bill because it could be an error because I was told my account is XXXX  at the time I wanted to pay off the balance. I saw BoA 's report appeared on my credit agency this is not fair for consumer. I chatted with BoA regarding the open balance {$17.00} on XX/XX/XXXX her name is XXXX XXXX asked me to pay I did pay off the {$17.00} but I do not agree but accepted to pay. This situation does not sound fair to consumer how BoA keeps bearing the open balance even it was XXXX balance ( paid off ).

Below is our chat conversation made on XX/XX/XXXX : You : as I said I want to pay full mean no bearing amount due in future XXXX XXXX : Correct. I am able to set up the payment today for XXXX/2019 and the pay off amount will leave the account with a XXXX balance once it closes the cycle on XXXX/2019.

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 monetary relief
Consumer complaint received 2019-05-12 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: NJ

Complaint narrative:
I have 2 late payments XXXX and XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/2019 Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late

Company response to consumer: Closed with explanation