vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: TX

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is being coded as an M5 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past 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 2019-04-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
few accounts are reporting inaccurately and fraudulently under my XXXX and XXXX and equifax credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: IA

Complaint narrative:
I entered into a payment plan thru XXXX County 's third party debt collector, Linebarger Gaggon Blair and Sampson to get my driver 's license reinstated. I made my 1st payment on the agreement and the clerk of court sent notice to Iowa DOT that suspension should be lifted, but it never was. I attempted to contact the clerk of court and Iowa DOT to resolve this matter but kept getting shuffled between the two. The judge and Sheriff XXXX XXXX were also trying to see why suspension was still in affect and that DOT hadn't removed my suspension. The same happened to them, clerk of court said to contact DOT and DOT said to contact clerk of court. I am very frustrated as I desperately need my license in order to be able to travel for work. I hope you are able to help or point me in the direction I should go next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CORELOGIC INC
State: MA

Complaint narrative:
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX  and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed 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 2019-04-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have reported fraudulent, unauthorized international and local charges made to my credit card, however, it has been over four months and the charges still remain on my account and are incurring interest charges daily. Although the credit card company ; XXXX XXXX XXXX has issued me a new card, the charges still remain on my account. I've sent them an email, I have spoken to customer service several times but nothing is being done to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American Express account in XXXX of 2018 that allowed for a balance transfer of 1 year with no interest. I tried to Initiate a balance transfer from one of my XXXX credit cards to Amex. I noticed that I had an Amex bill due the following month but my balances on the chase cards never decreased. I called chase and they were showing any transfer made and suggested I call Amex. I called Amex and to create a case and have followed up with them twice since and was told I would get a response at the end of XXXX. I have had no response since and am paying a bill to Amex over a transfer that was never completed. Please can someone help me get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

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 2019-04-11 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: CA

Complaint narrative:
few accounts are reporting inaccurately and fraudulently under my XXXX and trasnunion and XXXX   credit reporting agencies. 
i have been disputing these fraud account ( XXXX  XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you

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 2019-04-11 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: CA

Complaint narrative:
few accounts are reporting inaccurately and fraudulently under my expeiran and XXXX  and XXXX credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you

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 2019-04-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX Toyota Motor Credit Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX   XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Westlake Services, LLC
State: MA

Complaint narrative:
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX/Westlake Fin Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MoneyLion Inc.
State: VA

Complaint narrative:
On XX/XX/2018 I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/2018 I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name " XXXX '' and he informed me that they did not take it off for the membership agreement. That no law could stop them. This is after I had called multiple times stating that I never agreed to this " membership fee '' to began with. It's false representation!! I have already paid this loan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
FELONY THEFT ... 4TH OFFENSE ... NATIONSTAR DBA MR COOPER .... 
Let the record show that Nationstar once again collected 3 house payments ( XXXX, XXXX, XX/XX/2019 were paid ... evidence attached ) but stole the XX/XX/2019 payment to once again pay for fees it illegally added 3 years ago in defiance of an agreement they put in writing in a CFPB filing .... A reminder ... Nationstar identified loan origination fraud perpetrated by XXXX XXXX XXXX XXXX XXXX. On the phone and via email, Nationstar pretended to comply with loan cancellation ... they asked for the full 90 days from the CFPB ... and they foreclosed behind the consumer 's back even though the CFPB was copied the whole time via the Whistelblower email. It was not even close to compliance but Nationstar put in a CFPB filing that they agreed to honor the lower payment that was given to the defrauded consumer for the three months Nationstar stalled ... and the loan would be current ... We paid the full amount ... But Nationstar is a crime wave so they had to get the money back and try to steal the home ... that is their business plan ... to feed XXXX XXXX their auction service ) while processing fraudulent closings, including properties they never owned, documented from Title 365 via email ... hard evidence of selling homes they don't legally own using shady portfolio transfers through Title 365, the Title Co they also own, Nationstar then added almost {$2000.00} in illegal fees in this case, add that to the {$4000.00} in stolen payments ... and we cross the {$5000.00} threshold for FBI intervention. Nationstar needs to be fined. Their CEO and their employees need to be Federally prosecuted. The average consumer simply loses the home and they auction it off. Nationstar/Mr Cooper should not be allowed to touch any Federal loans. I have copies of illegal and fraudulent demand letters as recent as 2019, and this is the 4th time they have stolen a house payment ... the three previous payments were reversed only after complaints to the CFPB. I have repeatedly documented the criminal acts and consumer fraud ... and this is all part of the big money winner ... Defrauding the U.S. Government, PMI and FHA .... The CFPB needs to take every complaint against Mr Cooper seriously .... they are a crime wave that needs to be eliminated .... the people are being robbed. They have no police force to call ... They need you to fine them heavily to send a message ... " Don't lie to the CFPB or consumers '' ... right now they freely lie and deceive both. I have evidence. You have evidence ... spoon fed right to you ... HAPPY HUNTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
I received an auto loan from XXXX XXXX XXXX in XX/XX/XXXX. I made all payments in a timely manner. I was in a car accident in XX/XX/XXXX, in which the vehicle of was totaled out. My Insurance Company XXXX XXXX deemed my vehicle complete lost and paid vehicle off. StateFarm Bank contacted me in late XXXX indicating that I didn't have gap insurance/loan protection. I explained that gap insurance was included in my purchase and my vehicle was completely covered. Their were able to to locate my policy protection and close out my account. After closing my account out, they then put a 60 day late on my credit report. I contacted them immediately and they were able to correct the problem and fix my credit. On XX/XX/XXXX, I received a credit alert that I have an open account with XXXX XXXX and I was 30 days late. This caused a 65 point drop in my credit report. I contact with XXXX XXXX again and spoke with a Representative that was very rude and explain that my account was closed at one point, but is now open for not paying XXXX dollars. I gave the representative history on the account and he became more rude and stated my pass doesn't matter I need to pay what they have owed on computer. I explained this was total lost and paid by my insurance. I have made numerous attempts to fix the problem, but all attempts have yielded no success and rude customer service. They never notified me of a balance on the account and never notified me that were putting a negative on my credit report. They are in violation of the following : FCRA section 623 and 605 ( c ).

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 2019-04-11 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:
The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.

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 2019-04-11 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:
The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.

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 2019-04-11 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: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX OpenXX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX Open XX/XX/XXXXTo Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/united consumer fi  Open XX/XX/XXXX To Be Closed XX/XX/XXXXXXXX XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXXTo Be Closed XX/XX/XXXX

Company response to consumer: Closed with explanation