vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: AR

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NV, XXXX To : Equifax Dispute Department 1. DELETE XXXX XXXX, XXXX  XXXX because it Unknown and it has been re-aged to stay on my credit report longer. It was reported on XX/XX/XXXX Since then it was updated to XX/XX/XXXX. The company is required to enter a notice of dispute as required by 623 of the FCRA and neglected to enter it within 3 days. Please Delete I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Please Delete.

Included is Equifax Dispute Letter and a copy of my State Id, Social Security Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have asked Chase Bank REPEATEDLY not to let anyone into my account. I have asked them to block any merchant from taking funds. I get my direct deposit into this account and transfer it to another accounts. 

There have been over {$300.00} in fess this year alone!!! 
Recently, I had two {$35.00} fees for automatic purchases with one purchase under {$10.00}. Still I received a {$35.00} fee. Is a 300 % fee LEGAL. 

When Chase would not reverse these fees the next day, I asked for my account to be closed. I said I would pay whatever I owe them, it was over drafted, but not their usurious and excessive fees. 

After asking for a refund on fees, asking for my account to be closed, I get this statement ( attached ) that CHARGES me ANOTHER FEE for my account. I can not even use my account. I cant log into my account BUT CHASE IS STILL CHARGING ME FEES This had to STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: OH

Complaint narrative:
XXXX XXXX received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX XXXX account ending in # XXXX and XXXX  account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/XXXX i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. XXXX XXXX reports last payment on XXXX account on XX/XX/XXXX equifax reports last payment XX/XX/XXXX. Error number two same account two different close dates XXXX XXXX readsXX/XX/XXXX equifax reads XX/XX/XXXX. Error number three days late XXXX XXXX reports 120-149 days late equifax says 180 days past due. Also the XXXX  account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Wrongful foreclosure Violations 1. Violation of the security first rule.

2. Breach of oral contact.

3. Breach of written contract.

4. Wrongful foreclosure 5 promissory estoppel.

6. Violations of California civil code sections 2924 j, and 2924 k 7. Negligence select portfolio services Inc.

8. Negligence ( Quality ) 9.Negligence Misrepresentation.

10. Violation of the Rosnthal fair debt collection practices act.

11. Conversion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
Equifax and XXXX have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. Equifax sends me from person to person and XXXX does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX made up a dishonest bill after moving out as we were not present upon exiting. They claim the room smelled, which it did not. made a {$260.00} charge for a XXXX cleaning, but never mailed me a bill, for me to dispute, then placed me in collections for none payment. National Credit systems in Georgia put me in collections with out verifying that a bill was ever sent, in fact the copy they sent me has there own address on it. I was never contacted, never given a chance to dispute anything. XXXX   scams students not present at sign out, many kids we spoke to agree, some charges get dropped after seeing pics, Then they send Hundreds of accounts over to National credit systems whom do not verify the contact info, nor check accounts for proper procedure. And claim it does not matter, just pay it, as per XXXX XXXX, a collections rep. Told me he has thousands of these cases. They should never have marked a exceptional credit report with out contact, even thought the charge is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.

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 2019-08-27 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket mortgage a subsidiary of quicken loans called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I WENT TO THE BRANCH TO GET A CARD REPLACMENT AND WAS TOLD THAT WAS MAILD BUT NEVER RECIVED THE CARD WAS TOLD THAT THE POST OFFICE WAS THE REASON OF NOT RECIVING MY CARD. ACCORDING TO THE BANKER THEY WAS GOING TO OVERNIGTH BY XXXX .. AND NEVER HAPPEND THIS SITUATION ITS BEING GOING OVER MOTHS THEY AREADY GAVE ME 3 TIMES TEMPORARY CARD BUT NEVER ISSUE A PERMANET CARD I BEEN WITH THIS BANK FOR YEARS DO NOT APRECIATED THAT I HAVE TO GO TO THE BANK FOR HOURS AND THEY HAVE DIFERENTS STORIES I WILL APRECIATED IF SOMEONE WILL LISENT TO THE RECORED LINE AND SEE THE ON ACURED EXPLANATION AND FALSE STATEMENT TODAY THEY TOLD ME TO WAIT THAT I WILL RECIVED MY DEBET CARD BY XXXX LEFT WORK EARLY TO BE HOME LOST A DAY FROM WORK AND NEVER RECIVED MY CARD

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: CA

Complaint narrative:
I have deposited check in my account, my account had positive balance and never had any negatives or bounce checks, the deposited check turned out to be a bad check, after that the bank held my own funds for 30 days, and then the closed my account and returned my money, they said they don't want to do any business with me, I respect their position, and took my funds and walked out. After this incident I went to XXXX XXXX to open an account, XXXX XXXX told me that Comerica bank reported to XXXX ( XXXX XXXX XXXX ) negative mark, Now I can not open an account, I contacted Comerica Bank, but they did not even talk to me to explain the reason for reporting negative mark and hung up the phone on me a few times. I want to resolve this matter ASAP and report Comerica Bank for unverified reporting of negative mark on XXXX. Comerica is reporting without proof of wrong doing, Comerica must be sued or reported as misusing of banking relationship against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019, I was the victim of a so-called " Gift Card '' scam from people pretending to be with XXXX Technical Support. As part of the process of the scam, they got me to charge at total of {$10000.00} on three credit cards : {$3000.00} to XXXX XXXX Visa, {$4000.00} to Shop Your Way ( Citi ) MasterCard, and {$3000.00} to Best Buy ( Citi ) Visa to purchase XXXX and Best Buy Gift Cards and give them the numbers. I have contacted the card holders. Only XXXX XXXX has been responsive. They have temporarily put {$3000.00} back into my account, although it is on hold pending their investigation. Citi has said they are not responsible for refunding my money because it resulted from a scam, not a lost card or fraudulent use of my card. I am hoping you can help me get my money back from Citi. I realize now how stupid I was to fall for this, but I am now on the hook for at least {$7000.00}. Please see the attached report I filed with the Federal Trade Commission for more details on this scam.

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 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis and Associates trying to collect on a debt not owed. 

It just showed up on my credit report late last month ( XX/XX/2019 XXXX ) ( XX/XX/2019 for XXXX and XXXX ) for the amount of {$850.00}. Which seem unusually high for a trip to the emergency room for the XXXX. It dinked my credit score 40+ points. 

The original creditor was XXXX. So I went to check all my bills from XXXX and my Health Insurance. Nothing remotely close to it. 

Never received any notification or any call. Aren't they by law suppose to send some kind of notification? 

I would also like a copy of the original bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX a subsidiary of XXXX XXXX  called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX a subsidiary of XXXX XXXX called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled 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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The judge ordered that the company provide me with information about this particular account and XXXX I never got information on this account that was in XXXX they start garnishing my my wages I asked the judge to provide information I asked the lawyers to provide information no one can provide me information about this particular account but their garnishing my rages that was in XXXX were in XXXX this company is coming after me for this same account in which they didnt provided me with documentation saying that I owe this account so they file the motion to have this brought back in front of a judge but they did not provide me with the court date they sent me documentations about time and court room but they did not put the date on there I believe this company is scamming and using deception practice to obtain money that I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Mobile deposit into Usaa account XX/XX/XXXX with a XXXX  XXXX check of {$100.00}. Check was then cashed by someone who stole the check, on a XXXX XXXX  account XX/XX/XXXX. The funds were then taken from my Usaa account to pay the XXXX XXXX for the cash they gave to whoever cashed my check. The XXXX  XXXX account holder of the check only has the debit from XX/XX/XXXX on her account so theres nothing XXXX XXXX can do. Usaa has the account number of the XXXX account holder that the check was cashed on but can not give any information due to privacy policies. I have been back and forth with Usaa and XXXX   XXXX for over 2 weeks with no results. I just found out that XXXX XXXX is where it was cashed but I don't bank with XXXX  and never been to a XXXX XXXX for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
XXXX and Experian have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. XXXX sends me from person to person and Experian does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MI

Complaint narrative:
I am submitting this dispute on behalf of a debt collection I have reporting on my credit. The information being reported appears to be fraudulent due to a potential identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND 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 non-monetary relief