vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
EDUCATIONAL CRED MGMT is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that ECMC shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.

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 2020-05-29 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: CA

Complaint narrative:
In XXXX of this year a collection showed on my Experian report from XXXX XXXX. I called them and found it was from auto club auto renewal from 3 years ago. I explained I had auto club 4 years ago, canceled them when I changed to XXXX which Ive had for 4 years. Ive demanded it be removed three times and its still on there.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX alerted me that PNC made a change prohibiting me from linking my checking account to XXXX for easy money transfers. Not everyone uses XXXX as PNC does, and XXXX is by far the easiest way. This seems like PNC is trying to monopolize this market and I am not ok with that. If this doesn't change, I will definitely be pulling all my accounts from PNC. This bank has gone down the drain in the last few years and I am fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am trying to open an account with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion did not respond to my complaint that I had not intended to enter into any kind of agreement with them. I only wanted the free credit score that they offered. Instead, I was signed up for a monthly monitoring agreement that I could not cancel. The next time I went to their help page, I was sent to a defunct website. I could not communicate with them at all and I am still being charged {$19.00} per month. I want all my monthly subscription payments refunded and the service canceled. I have already started a payment dispute procedure with my bank.

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 monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX i got behind one payment, that was XXXX of XXXX i made my payment up to XX/XX/XXXX but still trying to repayment but was paying extra towards the payment i missed. XXXX i was denied a repayment but put on Forbearance plan over one payment. I had been sending extra so from XXXX and i was XXXX and XXXX i could not be that far behind the payment. But i broke the Forbearance and keep sending payments all the way till XX/XX/XXXX XXXX XXXX, XXXX up to XXXX in XXXX of XXXX they messed my loan up again when i looked i was 3 months behind, i ask what months they said XXXX, XXXX, XXXX i sent proof many times but never got credit and i no they got it. After paying for over year over one payment they sent into HARP, with XXXX balloon payment. I was down to 17 years left on loan. i owed XXXX close, then my loan was sent into HAMP that added XXXX plus what i paid for home XXXX come to XXXX so i lost everything i paid and more added. My XXXX payments are not correct and JP Morgan & Chase bank are aware of it but the loan was sold to XXXX they are debt collector not Mortgage company. J.P. Morgan Chase Bank to honor their written agreements with HARP, they broke the agreement when they sold my loan debt collector, Chase was one to service my loan it was not agreement to be sold debt collocation company in 3 months. JP Morgan was paid by the program it like taking the funds from Government then we keep it and he left XXXX. they get paid XXXX for the modulation and Fee 's by the program. forbearance agreements that violate the HAMP program guidelines ; and ... XXXX XXXX XXXX ) .it not in agreement. So the money for modulation and other Fee 's should be returned. Along with my Fee 's that caused my loan to be lost. over XXXX Corporate fee 's others Fee 's, before the Modification even begin. https : XXXX # XXXXn if you look at payments and i can send bank statements i just don't have them on computer JP Morgan owes me for XXXX. But they never replay or try to fix something they did on loan. it been long time and i am tired of messing with CHASE, i been lied to, and my XXXX payments was applied correctly. Like in XX/XX/XXXX XXXX made payment, called on XXXX for a scheduled payment for next month, they ran it as i was on phone never was payment i already made a payment, the loan in XXXX was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, I purchased a new XXXX XXXX and was offered zero-percent financing by Toyota through Toyota Financial Services. On XX/XX/XXXX, I paid this loan off. I never missed a payment and never late. When I checked with my credit monitoring service, I was informed that my credit score had dropped due to an adverse notation that XXXX XXXX for one had picked up from XXXX. When I called Toyota Financial I could not get an answer as to what this was referring to. I filled out an inquiry with Toyota. They provided no answer and as with the representative earlier on the phone, I was told no to my request about the information on my own account. As a consumer, I should and must be entitled to know what the adverse comment is referring to after 5 years. The following is my information. Account : XXXX XXXX XXXX The company has for some reason taken an arrogant stance and refuses to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.

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 2020-05-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: MD

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX.- I received a telephone call from XXXX XXXX Celink XXXX XXXX ) stating " Your loan is currently in default because we advanced {$1.00} to the XXXX County Tax Office for ( your ) XXXX taxes ''. 

XXXX further stated a 30-day care letter was sent to me dated XX/XX/XXXX by regular mail. I am not in receipt of this letter. 

XX/XX/XXXX @ XXXX XXXX. - Retrieved from my mailbox a letter from Celink dated XX/XX/XXXX indicating " You may have received recent correspondence from us as it relates to your tax and/or insurance obligations on your reverse mortgage. '' " Unfortunately, we recently had to advance funds on your behalf to pay for delinquent taxes and/or insurance on your home and your loan is now considered to be in " Tax/Insurance Default '' status ''. " The current amount that needs to be repaid in order to cure this default is {$1.00}. Signed : XXXX XXXX. 

When I asked why a phone call was not made advising me of the {$1.00} balance, XXXX replied ... '' Celink don't call ''. 

A subsequent phone call to the XXXX County Tax office revealed that a tax balance of {$1.00} was indeed present at one time. However, tax balances of {$10.00} and under are not pursued. Upon request, received an email copy of my XXXX tax bill. Balance = {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: MI

Complaint narrative:
The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

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 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA. 

Transunion also is not complying with the FCRA to remove these 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 2020-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have business credit card under my company name, XXXX XXXX XXXX XXXX XXXX, with my wife and i being employees. The combined billing account for both of us is used to bill all the purchases done by us. The commercial made by us bank is required total spending {$4500.00} in 150 days from opening day. We paid total {$7000.00} plus in the 150 days limit, but us bank refused to give me the {$500.00} reward because they only look at individual employee, not the company spending made by the company. 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 monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/20 I spoke with Wells Fargo re : my mortgage payments. Mortgage # XXXX On line support # XXXX XX/XX/20 case # XXXX Investigating why my XXXX mortgage payment was applied to PRINCIPAL! Ms. XXXX XXXX # XXXX ext : XXXX. I previously spoke to Mr XXXX XXXX with Exec. office who initiated investigation on Friday. XX/XX/20. This is 2nd month in a row where my funds have been misappropriated. ! st time I lodged complaint to FTC on XX/XX/20 complaint # XXXX. So in reality this is second complaint about Wells Fargo misappropriating my money! Sorry I lodged 1st complaint with the FTC versus this venue. 
So this is second time where I sent my mortgage payment in early & again my funds were misappropriated. My mortgage is $ XXXX & I had added {$200.00} additional for principal. Whomever handles the mail in checks added data in computer that the total amount was to pay towards principal. This is second month in a row it has occurred. Last month now this month. Last month I spoke with a XXXX XXXX of the executive office about the issue. This month I just spome to XXXX XXXX. Mr XXXX relayed he will givwe information to a XXXX XXXX as she is handling investigation. BUT I informed both Mr  XXXX & Mr XXXX this is about 4th or 5th time this has occurred where Wells Fargo misappropriating my funds. Which should NOT occur since it is explicit on payment stub what is mortgage payment & what is additional principal. plus I hand write it on my check which month the mortgage payment is for. I write month & year of mortgage payment in long hand & in memo part of my check it is my acct. # So why is their personnel misappropriating my money???? And as previously stated this is second month in a row it has occurred & it has happened in past also. So in essence it has happened top me @ least 4-5 times! Please help & make them STOP misappropriating my funds.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Settlement was made to becu and received documents from becu stating settlement paid as agreed. This occurred between XXXX In XX/XX/2020 I received notification from back that they would put my account to collection if I did not pay again. 

Dispute of this account created correct result on XXXX  but is still reporting charge off on XXXX  and XXXX  and continues to damage my credit as they continue to report charge off each month.

Company response to consumer: Closed with explanation