vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 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: OH

Complaint narrative:
My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my XXXX report XXXX XXXX ) Trans Union has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC 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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Alot of hard impacts are effecting my credit.

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 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I went into a Chase branch to close a checking account and change the source account of my Chase auto loan automatic payments to a non-Chase account since I am attempting to close the Chase checking account currently linked to my auto loan payments. I was informed that I am unable to make this change in person and that I must fax in a form that can allegedly be found online. Additionally, I was told I should wait to change this information until after my next scheduled payment had been processed. 

On XX/XX/2019, I called Chase customer service for assistance since attempts to access the online form resulted in errors. During this call, I was passed to 3 different representatives, each time being instructed to go to their website to download the same form that resulted in error messages. Finally, the last person I spoke with was able to explain that my loan was associated with something called XXXX. They informed me that as XX/XX/2019, Chase is no longer associated with XXXX and that due to this, I am unable to simply update the account that I would like to pay my auto loan through and would need to apply for a new loan with Chase in order to pay from a different account. I was finally told that I would be sent the form to change the account for the automatic payments and I should receive the form in about 7 business days. 

On XX/XX/2019 I received a letter in the mail from Chase stating " We have enclosed an Automatic Change Agreement for you to complete. '' Unfortunately, there was no form enclosed. I called their Customer Service again on XX/XX/2019 at XXXX XXXX CST to speak to someone about this issue. Once again, I was informed that there is nothing they can do to update my source of payment. After being on the phone for 20 minutes with this representative, I was transferred to a manager who told me they would actually send the form this time. 

Please note, that nearly a month later as of XX/XX/2019 I have yet to be able to cancel my checking account with Chase. Furthermore, as of XX/XX/2019 I will be assessed a {$12.00} service fee for an account I have been trying to close for over a month. 

Forcing me to apply for a new loan and negatively impact my credit just to be able to pay my current loan from a different non-Chase account feels extremely unfair and I feel as though Chase is intentionally delaying my ability to change the source of my payments in order to get more fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: IL

Complaint narrative:
Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX data breach..

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 2019-10-27 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: IL

Complaint narrative:
Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the Equifax data breach..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi CFPB! 

First, very much appreciate you and other pro-consumer organizations. Without you, we'd be powerless ( absent expensive and time-intensive class actions ) to uphold our rights as consumers and Americans. Thank you Next, XXXX XXXX and American Express claimed when I was purchasing a ticket on XXXX that I would " instantly qualify '' for a new American Express credit card, and that when I did, I would receive {$200.00} in credit for a purchase from XXXX within 90 days, which of course happened to include my current purchase, among other benefits. Needless to say, I elected to apply, waited for a few moments, and then was told that I would need to wait weeks for them to process my credit card application. 

But wait. I had agreed to apply to an " instant qualification '', not to a lengthy process. Indeed, the offer was enticing exactly because I happened to be buying a XXXX XXXX ticket at that moment. It also so happens that to obtain some of the other benefits of using a XXXX card, i.e. free checked bags, I have to use that card when making the purchase. Since apparently I did not qualify for instant qualification, I of course could not use that benefit. I don't have any interest in buying a new XXXX ticket in the next 90 days ( and, of course, I didn't receive the actual card until XX/XX/XXXX, and since they say they issued it XX/XX/XXXX, I only have 60 days ), and apparently I will no longer be able to get the benefits of being a XXXX card holder for the ticket I did purchase. 

To make matters worse, in the mail in the interim, I received a MUCH better offer from XXXX, including XXXX miles and {$50.00} statement credit. When I called XXXX to explain that they were dishonest in their advertising, that I did not consent to apply once my " instant offer '' was apparently rejected, that I would not have applied had I known my instant application would be rejected, and that I subsequently received a better offer that I would have applied for, I was told, in effect, 'tough luck '. Apparently, I am no longer eligible for any offers from XXXX/American Express, because I " chose '' to apply for an offer based on false advertising that I didn't want. 

Finally, it so happens that I have excellent credit -- American Express reported that my FICO score from XXXX was XXXX. I thus rightly expected that if anyone were to receive " Instant Qualification or Approval '', I would. Similarly, if someone who has excellent scores does not receive approval, who does? What consumers of people actually get approved? Apparently, nearly 80 % of the country has credit scores 799 and below. If none of those people would qualify, it seems clear to me that advertising " instant approval '' to all consumers is clearly misleading and false advertising, absent clear and obvious disclaimers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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:
My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX # XXXX. 
There is a bogus SS number on my XXXX report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: OH

Complaint narrative:
My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my Experian report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC 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 2019-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX, TX Re : Conns Appliance debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XX/XX/XXXX-XX/XX/XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX history of XXXX  and XXXX XXXX and XXXX  and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to Conns when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at Conns and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Risecredit, LLC
State: WI

Complaint narrative:
Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Counselors, LLC
State: NY

Complaint narrative:
I am contacting you on the subject of a letter I received from UDCAmericas. The reference is XXXX. This letter states that it is a final attempt to contact me regarding the adjustment of my credit account. The leader is designed in such a way that it leads me to believe that a failure to call them will result in financial issues. 
I have no issues on my credit card accounts, no debt due. This is just a tactic used to extort money from some people. 
I wish that that they remove me from their database and stop using such aggressive and forbidden marketing tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was current on my mortgage at the time and it is not included in the bankruptcy trustee payment - I continue to send payments to my loan servicer. 

Pennymac XXXX, my loan servicer, added itself to my bankruptcy as a creditor for an arrearage of {$440.00} that was mistakenly paid to my previous FHA loan servicer, XXXX XXXX XXXX, and was supposed to be paid to Pennymac by XXXX. 

Pennymac began engaging in misuse of a suspense account for my mortgage in XX/XX/XXXX - prior to that time, once partial payments totaled a full payment, they were applied. I get paperless statements and their website was frequently nonoperational over the summer, so until I received a notice that my mortgage was over 45 days past due, I did not find out that Pennymac had stopped applying payments from suspense once the full amount was reached. I spoke with Pennymac to ask them to release the funds as they always had in the past. 

I calculated the amount needed to make up the shortfall to 2 full payments ( {$580.00} ) and paid that on XX/XX/XXXX, expecting to XXXX  out the suspense account once and for all. This payment did not show up on my account - in fact, I was not able to access my recent account activity or monthly statement for XX/XX/XXXX. 

When I called Pennymac, I was told they were switching systems and payments and statements were delayed. Customers received no notification of this. 

Imagine my consternation when I was finally able to access the statement on XX/XX/XXXX ( though Pennymac dated it XX/XX/XXXX ), and found that the suspense account still had funds in it ... minus the {$440.00} ( actually, {$440.00}, due to weird accounting practice of adding {$0.00} to the suspense account every so often ) that is due to Pennymac as part of my bankruptcy. This money was to come from the trustee, not from me directly, and certainly not from my suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited {$210.00} cash into the capital one ATM machine located in XXXX California. The machine said there was an error and gave me my card back. The {$210.00} was not deposited into my account. Capital one has said they will investigate the situation. Capital one still has not started the investigation. All they can tell me is to wait and they will see what they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I have had nothing but problems with Carrington Mortgage dating back to XX/XX/XXXX. My husband lost his job in XX/XX/XXXX and we struggled to make our XX/XX/XXXX house payment. Called Carrington for help only to get the response you are not currently late so we cant help you. And so the process begins. After missing a few payments, we filed for a loan modification ( nightmare ). It took over 6 months to get the modification approved and meanwhile we fell further behind in our payments. I had to do the modification twice in order for it to be approved. I called Carrington every week during this process and received different answers every time I called. Foreclosure notices began arriving when I was told that wouldnt happen during the modification process. Again, different answer whenever I called. Modification finally got approved in XX/XX/XXXX but it has taken Carrington over 3 months to complete the process on their end. Meanwhile I have made our new payment amounts, per our approved modification, for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time every month. Yesterday, XX/XX/XXXX I received a foreclosure notice for failure to make the past 3 months payments. I called Carrington and was assured my mortgage was current and to disregard the letter. I then asked if they reported me as late to the credit bureaus. I was informed it was not reported as late. After hanging up the phone I checked the credit report and sure enough they did report it as late for the last 3 months. I immediately called back and the person I spoke to said it was reported as late because I was late-bull!! He said I needed to write a letter to their customer research department asking them in investigate it. I said why should I have to do that when I am not late, you ( Carrington ) need to fix it not me. He ignored all my questions and just kept trying to give me a fax number. Not getting anywhere with him I hung up and called again asking to speak to a supervisor. I was put on hold for several minutes and the same person came back on the phone and told me there was nothing they could do by phone. I am fuming at this point and insisted on speaking to the supervisor. Not sure who I actually got transferred to but she said they could fix it but she would need me to fax my credit report. I said you can just easily pull it up yourself and she said I cant do that. I said youre a mortgage company you pull credit reports all the time. She said she couldnt help unless I fax it. So in just 1 hour I received 4 different responses from 4 different people! This has been the way its been for the past year, nothing but problems and hassled from Carrington employees.

Company response to consumer: Closed with explanation