vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: NV

Complaint narrative:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Car sold XX/XX/2019, final balance obtained and paid off. Missed payment put on credit report after car was sold XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE SENT OVER XXXX XXXX LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 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 explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered that 6 years after our divorce, my ex-wife had a credit card with Kohl 's that I was listed on. That account was over the credit limit at approximately {$1600.00} versus their {$1500.00} limit. I notified my ex-wife and provided her with funds to 1 ) pay off the account and 2 ) close the account. My ex-wife paid approximately {$600.00} of the {$1600.00} and closed the account, which dropped my credit with XXXX from XXXX to XXXX in late XX/XX/XXXX/early XX/XX/XXXX. I filed challenges with XXXX, XXXX, and XXXX XXXX who all referred me back to Kohl 's. I called Kohl 's and explained the situation to which they said that I was second and " not an Add-on '' to the account, therefore they were holding me responsible. Both my ex-wife and daughter called Kohl 's to exonerate me. By having Kohl 's launching these attacks, including another today, my credit is being held hostage, now at XXXX as my ex-wife does not have funds to pay the account so they wreck my credit trying to extort money from me. I would like this situation to be stopped since I did not sign up for, receive, or use a Kohl 's Credit Card and did nothing to cause the problem. Kohl 's is trying, in my opinion, to extort payment from me even though I never signed or received a Kohl 's card. Also, I have lived in California, not in Texas to this date, where some of the credit agencies are listing me as living in Texas at my ex-wife 's address. Our divorce was final on XX/XX/XXXX. Kohl 's obviously does not have a contract wet-signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: NV

Complaint narrative:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

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 2019-09-14 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: NV

Complaint narrative:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

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 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
This debt does not belong to me. Please remove it. I have already tried to rectify this issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: NC

Complaint narrative:
There is incorrect information reporting on my credit 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
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian removed information from my report in XX/XX/2019 causing my credit scrore to psotively increase, then added the information back to my credit report in XX/XX/XXXX that negatively impacted my credit score. See Attachment.

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 2019-09-14 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: NC

Complaint narrative:
There is incorrect information reporting on my credit 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 2019-09-14 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: NC

Complaint narrative:
There is incorrect information reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I purchased the service of XXXX per month. Under this subscription, XXXX XXXX XXXX was to report rent payments to three credit Bureau 's. XXXX XXXX did so for three months. then I changed my user name on my bank account. XXXX XXXX couldn't access my bank account and record my information, I contacted XXXX XXXX via several emails and it would take XXXX XXXX 3 or 4 to respond to a email. 
I was now stuck in a situation of paying for a service and getting nothing in return, I cancelled XXXX XXXX and my Eperian score started dropping my credit score points. 

Here 's a copy of the email prior to my score drop, A self-reported account was removed One of the self-reported accounts you added through Experian Boost was automatically removed from your Experian credit file because no payment was reported for it in the past 90 days. Please connect a different bank account that you use regularly to pay bills through to continue reporting positive payments to your Experian credit file through Experian Boost. 

I have no negative remarks or late payments for over 2 years and

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 2019-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I have a membership with this company. I asked them several times to use my funds in my investment account with them to pay off my loan and close my account as I could not afford it anymore. They said they only do that for really delinquent people. So I said you're going to trash my credit then decide you've trashed it enough then allow me to close the acct with the investment funds. Now they have reported it late on my credit. This is unethical when they had the fund from my investment account to settle this account before it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi I am a very concerned private student loan customer of Navient. I have made three payments in XXXX that posted on their website and received a call today that two of them were retracted. I called my financial institution and the funds were not retracted they were paid. Navient is saying they were not paid and the funds were withdrawn from my account leaving me 60 days past due and potentially taking a credit hit. Can you help in anyway? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
First off the biggest issue here is that the original creditor XXXX XXXX XXXX never made the appropriate efforts to contact me to advise of the current debt which was partially paid. They have had all my current info and they had the incorrect address since I had moved and moved services to my current address. XXXX XXXX XXXX knew about this and I didn't receive a call or mail advising of this debt before it was sold out to this 3rd party debt collector. It was reported to the credit bureaus. Negatively affecting my credit score. I didn't have a chance to take care of this matter. Also the 3rd part deb collector made no efforts to reach out as well and I had to find after I checked my credit report. I been trying to come to an agreement with them but they are not being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone has either hijacked an old account that I opened but haven't accessed for over 10 years or opened an account in my name using ID theft. I know this because I got a decline letter from XXXX XXXX  for paypal credit. I didn't apply for paypal credit and i don't have or use paypal. I have no bank accounts connected to paypal and haven't for over 10 years. If there was an old account I setup long ago, I don't know the bank or account number and this account would now be closed. 

The system will not allow me to change the password and I get stuck in a loop where I'm asked for to change my password over and over again, each time with a password that isn't one of the previously selected passwords in the previous loops! I enter the password and it comes right back to the same screen.

I called paypal and their overseas support department didn't seem to care and had very little interest in helping me resolve this fraud incident. They are asking me for the last 4 digits of the bank account which I don't have since I have no accounts associated with paypal. Again I don't use or have paypal. 

At this point paypal will not close this fraud account that someone besides me controls and so I will try this method. I hope you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/2019 I purchased a {$100.00} Visa gift card for my grand-daughter. I gave it to her on graduation night XX/XX/XXXX. On XX/XX/XXXX, she called and told me she had spoken with Visa when she tried to register the card and found the money was spent. According to Visa it was spent on XX/XX/XXXX. She didn't even have possession of the card then. She found someone had registered it and transferred it to their XX/XX/XXXX account without the pin number. I called Visa XX/XX/XXXX.Visa told me it was probably stolen online. Told to fax front and back of card, my ID, Copy of receipt from store. Because it had been 7 weeks since purchase, I no longer has the original receipt. The said no problem, get copy from XXXX/XXXX. I faxed info first time on XX/XX/XXXX. Called XX/XX/XXXX. Told it takes 10 days to get in computer, call back in a few days. Called again XX/XX/XXXX. Fax not found. Found out I had not faxed all the info needed. Needed case number listed on each page, needed to put on cover sheet proof of ownership and change owner to my name and address. Re-faxed XX/XX/XXXX. Called XX/XX/XXXX no fax in computer. Called XX/XX/XXXX told it was denied because they wouldn't accept copy of receipt from store. What!! This is a major chain. The last 4 of my Debit card is on it, my fresh value customer number is on it, been mine for 24 years, first 10 numbers of gift card on it. I don't know what else they want. they said copy of receipt from store not good enough. It has been 4 months of calls and faxes. I'm done fighting with them and need some help to resolve this. Thanks, 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 2019-09-14 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: CA

Complaint narrative:
I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. EXPE XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
Our loan agreement ( Paragraph 5 ) describes how the monthly interest rate is calculated. It is based upon the prime rate reported in the XXXX XXXX XXXX plus 1 % and the monthly billing cycle applied by the bank. The XXXX XXXX XXXX lowered prime on XX/XX/2019 - no rate reduction was applied by the lender on either the XX/XX/XXXX loan statement nor the XX/XX/XXXX statement. No explanation of any sort has been provided despite repeated attempts to contact the bank and its loan servicing agent - by phone, e-mail and letter. Please realize that this policy of the lender likely affects thousands of borrowers, not just our loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I noticed that a collection was appearing my credit report from Capital One Bank. I sent Capital One Bank a written letter on XX/XX/2019 requesting some sort of verification/validation of this erroneous reporting. Capital One Bank responded with a letter onXX/XX/2019stating that the debt was reporting correctly. 

Capital One Bank, blatantly ignored my request for verification since they are STILL reporting this erroneous, misleading and slanderous information to the CRAs. 

Why is it the consumers job to provide the creditor information to do their job. If they reported the information to the CRA 's then they SHOULD have all of the information readily available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
A military star credit card was opened in my name and I suspect it was my estranged father who I have had little connection with the last few years. I submitted and Ide tu theft affidavit to Military Star but after investigation they refused to removed the account from my credit report as they deemed it was familiar fraud. This has been an ongoing dispute process for months. Ive been using XXXX XXXX to handle it. Recently I was in home loan process on this account is interfering with my qualification for a loan on a house because of the late payments on the file. Ive been trying to get it remember for months. I requested statements be sent to my home of record, which Ive yet to receive, so that I can file a police report on this but they have not sent me any statements or proof of statements.

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 2019-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a good XXXX and just graduated from XXXX School and started my first year of university. I have a long way to go and I lack much financial knowledge very financially incompetent. I was trying to pay for my school by XXXX XXXX. A scammer took advantage of my situation and scammed me by giving me a fraudulent check. I know this happens more often, but I am a VICTIM. And now I feel that Ive been taken advantage by JPMorgan Chase ( Chase ) and XXXX XXXX XXXX XXXX ( XXXX ). When the bad check was deposited into my Chase account, it was on hold as should be, to validate that the other financial institution ( XXXX ) had funds. So when the check cleared BOTH FEDERALLY INSURED banks were responsible. However, Chase took money back a week later and left my account overdrawn and put the blame on me. Chase should've escalated and fixed it with XXXX - not blame me. Now they want me to be sole VICTIM in this situation. Is this how they treat our future Americans? 

Hiding appropriate disclosures, not being clear and leaving me to hang. I have no money now to pay for school or gas or food. 


Chase and XXXX should individually or together reimburse for my loss, as they are federally insured. Dont let the consumer be the victim again. A police complaint was filed on XX/XX/19 ... .. XXXX check - Post date XX/XX/2019 Check # XXXXCheck amount {$2700.00} Account # XXXXRouting # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
I am a XXXX university XXXX   in my second year, recently, I was curious about my current credit score, So I decided to check, and to my surprise, some of my student loan debt was listed as unpaid. My questions is, if i'm still a current student an have not finished school, how or why would my student loan be due, it has not been 80 days from one term to another. how is this possible? What steps can I take to remedy this, the purpose of going to school is to be a more productive member of society and contribute overall to the gross national product, when I'm in so much debt from my student loans debt before I even start to work. this appear to be a very scruples action, perhaps inadvertently, I'm not sure. please help!!

Company response to consumer: Closed with explanation