vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 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: GA

Complaint narrative:
This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

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 2017-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: MD

Complaint narrative:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, 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 2017-11-09 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: MD

Complaint narrative:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: MD

Complaint narrative:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, 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 2017-11-09 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: PA

Complaint narrative:
Employment Data Reported XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX  Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

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 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: PA

Complaint narrative:
Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone NumbeXXXX XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: PA

Complaint narrative:
Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Medical Center  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

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 2017-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In its response, Wells Fargo claims there is no problem with what they did and it 's all fine. That is not true. 

Paragraph 4 of the Note ( contract ) states that a prepayment which is to be applied to principal only can only occur when I tell the Noteholder [ Wells Fargo ] in  writing that I am doing so. I did not make such written instructions and Well Fargo admits this. Therefore the XXXX XXXX payment could not be a principal only payment and should have been credited as a regular monthly payment. 

Nothing in the Note ( contract ) prohibits me from making a payment early, as I did by paying for the month of XXXX in late XXXX ( XXXX XXXX payment ). If there was ANY confusion as to what this was for, Wells Fargo should have contacted me, but they did not. Indeed, the simple text of the Note ( a contract ) states that Wells Fargo will apply payments to interest before principal. This is stated in paragraph 3 of the Note, a written contract between the parties. 

Yet, in its XXXX XXXX, XXXX letter Wells Fargo states that it applied [ the XXXX XXXX payment ] to the principle balance ( p. 2 of its letter, middle of page ) and did not credit it to my account as it should have done. Wells Fargo violated our contract, and attempted to collect a late fee. I would like to know how many other consumers have suffered from such illegal actions by Wells Fargo.
Wells Fargo claims at the end of p. 2 of its letter that it handled my account appropriately, yet this is manifestly untrue as Wells Fargo violated the Note contract, and the CFPB should take enforcement action to ensure that Wells Fargo does not repeat such mischief. 

see XXXX which you closed without allowing me to reply!!

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 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: MD

Complaint narrative:
I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.

Company response to consumer: Closed with explanation