vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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:
My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.

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 2018-08-29 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:
My credit report shows XXXX accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My credit report shows two accounts that belonged to my parents, not me. The first is called " Chase Card ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report claims I lived at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX I have never in my life lived in or been associated with any individual from XXXX, XXXX. This date has never before appeared on any of my credit reports and looking at each individual it is still not showing on them. It needs to be removed. It says I resided here from in XX/XX/XXXX, I wasn't even born until XX/XX/XXXX and my SSN is valid and was issued when I was born in XXXX XXXX, XXXX in XX/XX/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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union is reporting I owe a balance XXXX XXXX  account # XXXX when there in fact is no balance.

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 2018-08-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " Barclays Bank Delaware ( Closed ), '' which was opened XX/XX/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 explanation
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I purchased a Western Union Financial Services Money order from XXXX, their agent, on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX last year. I never used it or fllled it out. This XXXX I wrote my name in the pay to line, endorsed it on the back, and deposited it to my bank, XXXX. Western Union charged back the entire amount, {$420.00}, without explanation. I subsequently contacted Western Union and sent them copies of both sides of the money order they returned to my bank, with the debit to my account, and my purchase receipt. They claimed the M.O. was expired because it was over a year old. THERE IS NO STATEMENT ON THE M.O. THAT IT IS ONLY VALID FOR ONE YEAR. Instead the terms on the back say if not cashed in one year, they will start charging {$1.00} per month. 
So far, Western Union insists I either have to pay them {$30.00} to " trace '' the M.O, which I have no need to do ( and get a notarized statement ) or apply for a " refund '' for my money which they have, for a {$15.00} fee. THIS M.O. WAS NOT LOST OR STOLEN. I DO NOT NEED A REFUND! They need to credit my bank account for the illegal and illicit chargeback. 
attached is a pdf with one of my letters to them, including copies of the money order, receipt, and my bank record, which they received from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Credit Karma, LLC
State: VA

Complaint narrative:
I reported Identinty theft when I noticed. A lot of things on my credit is not me I filed the proper channels immediately but still Im the one wiped out my bank account credits cards max out and my social security and all my personal info being spread around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have reached out to the company for over a year now in reference to this issue and have been told on numerous occasions and by different individuals that either the error would be corrected or someone would give me a call back .. neither of which has happened. 

There is an Amount of {$510.00} that has shown on my Monthly Mortgage Statement under Total Fees and Charges for over a year now. It reduces my Monthly Amount Owed by that said amount, but I have been told that it is not a Credit. If it is in fact a Fee, what is the explanation of the fee and why does it " decrease '' my Monthly Payment vs. " Increasing '' my Monthly Payment. 

Please have this item corrected, so that my Monthly Statement can reflect a correct Amount Due.

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 2018-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Upon reviewing my credit report, I was absolutely shocked to see 2 late payments on XX/XX/XXXX and XX/XX/2017. I'm not quite sure how this happened. I am always on top of my payments. It seems that either it got lost in the mail or for some reason the payment didn't go through and wasn't processed.

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 2018-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting that I have a balance on an account. There is no balance.

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 2018-08-29 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX I was an victim of a scam an identity theft after I realized I took the proper channels with overwhelming proof and a police report I was scammed .Navy federal still work recover my money because they say a scam is not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX shows a balance on account that has none. The account number is : 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 explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem. 
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5  times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?

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 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was recently a victim of identity theft and this card was opened. It went in to debt and Im left with paying it the thieves had my SSN, address, email address, birthday everything needed to be me. Passwords and all. I never went into a capital one there was never a face to face varfiying it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I previously filed a complaint against Mountainland Collections for reporting on my credit report because they never notified me. Their response was that they sent a notice and it came back. SO obviously they didn't have the correct info and I NEVER received a notice. They reported to my credit without contacting me and they need to delete them. 

I took care of the erroneous debts that were paid by insurance already and they need to be removed. For 1. they were not valid. 2. I never got a notice.

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 2018-08-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: FL

Complaint narrative:
In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family one year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX  XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.

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