vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: MD

Complaint narrative:
There was an account opened in my name in XX/XX/2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last account is XXXX XXXX that is being reported twice on my report, one as negative and one as positive and paid with the same account number. I disputed this account also, with no response or validation sent for the account. Last, I asked for validation for the collection debt from XXXX XXXX twice and still I have not received anything that attaches any of these debts to me.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
OK I cant Trans Union and reported that I have a XXXX XXXX XXXX a auto loan finance that I dont recall me giving consent to run my credit I have some from Arizona I live in Virginia as we speak so does not make sense why I would try to purchase a car in Arizona they told me that they belong to me and that they could not help me thats why I know I want proof that I did consent to these and that I signed up to run 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 2019-04-16 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.

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 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was in bankruptcy and paid it in full but i paid my mortgage company XXXX while in the plan and they wont provide proof of how my funds where paid to my mortgage and i wrote 2 QWR to them and they told us that they dont have that information and they also sumited 2 claims saying that we didn't make certain payment and i know they have stole money from us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The incident occurred on XX/XX/XXXX when I accidentally left my phone and and serve prepaid card at the store. The last transaction that I had made was at an atm in the amount of {$200.00}. Due to the fact that I was getting ready to go out of town ... and on my phone my XXXX account information was automatically saved into my phone. When I realized that I had left my phone and card I went back to the store to get it but it had been taken. When I returned from out of town that Monday the XXXX I reported and sent in the dispute form to serve and in the XX/XX/XXXXthey denied my dispute because XXXX said that these items were shipped to my address that I received them but when I look on my XXXX account it says items were left on front porch. I was out of town and then they caught one of them and returned item to shipper and it was received on the XX/XX/XXXX and I have yet to receive the refund for that item in the amount of XXXX. And my XXXX account is on hold because they withdrew payment for all of those items but at the same time there was also two charges made at XXXX XXXX to my card while I was out of town. I have filed a complaint with the XXXX XXXX XXXX as well asking to show proof that I made these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: NY

Complaint narrative:
On XX/XX/2019 a hard inquiry was placed on my credit report by XXXX in which I have been with the company for a year already. In no time did I apply for any services with them on XX/XX/2019 because I am a customer already. I have spoken to XXXX and they confirmed that they did not run my credit at all on the day of and would not just run my credit for anything. I feel my social security number was compromised and when I spoken to transunion about this issue they said nothing could be done and that the inquiry would stay on my report for two years. And this is why i am fighting this problem now. If you see anything that you do not recognize please investigate it until it gets resolved.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I submitted a request to receive my consumer report from Early Warning Services on XX/XX/2019. The request was read on XX/XX/2019, but I never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lake Area Collections, LLC
State: LA

Complaint narrative:
On XX/XX/19 paid XXXX to action recovery tols 30 to 90 days off credit bureau still not off On XX/XX/19 paid XXXX spoke to XXXX XXXX XXXX confirmation # XXXX and XXXX with XXXX XXXX told will be off credit 45 days still not off On XX/XX/19 paid to lake are collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX to XXXX XXXX for XXXX XXXX if la acct XXXX XXXX conf # XXXX still not off credit On XX/XX/19 of XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX pd XXXX conf # XXXX I have been calling these people because we pd these accounts to improve credit and I keep getting run around about it coming off credit report we are trying to improve credit to refinance our home this has been going on since XX/XX/XXXX and they just keep passing it on please help us XXXX XXXX XXXX or XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: MD

Complaint narrative:
There is an account from XXXX XXXX that was opened without my knowledge. The account is fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: MD

Complaint narrative:
There was an account opened in my name in XXXX of 2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last two accounts are XXXX XXXX which is being reported twice on my report, one as negative and one as positive and paid with the same account number, and then there is XXXX XXXX XXXX which is being reported negatively on my report and the account was closed and paid. I disputed both accounts, with no response or validation sent for the accounts. Last, I asked for validation for the collection debt from XXXX twice and still I have not received anything that attaches any of these debts to me. I have never had an account with 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 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Carrinton Mortgage was paying on two home owners insurance, in XX/XX/XXXX they were notified of that policy being closed, Carrington was given the correct insurance company which was XXXX XXXX. Again in XX/XX/XXXX Carrington Mortgage company was paying a insurance bill on a closed policy with XXXX XXXX in XX/XX/XXXX after i had put them on notice in XX/XX/XXXX. Due to this irresponsible error, my escrow account is - {$3500.00} and my house payment went from {$800.00} to {$1200.00} and they have me in arrears, due to the inflation of house price. I have put this company on notice twice, I do not believe this is my place, they have been notified and now my credit shows i am behind, which i am not. Then I receive a registered letter on XX/XX/XXXX of intent of foreclosure, when I called XXXX  the CSR says I do apologize! This is clearly this mortgage company 's error, XXXX  said when carrington receives a bill they just pay it, i believe the closed account info I provided to them should of been enough for someone not to make a careless mistake. So my escrow is negative, my house increased {$400.00} my credit has been hit for late payments which i am not, and yet nobody wants to be held responsible. I am working with XXXX, ext. XXXX   employee number # XXXX  and he was going to open a incident report on Friday XX/XX/XXXX and get back with me and i have called and had to leave messages for him to return my call, I cant get a hold of him, and i cant get anyone to send me to the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My previous loan servicer XXXX XXXX had sent me documents that they were transferring my mortgage to Rushmore Loan Management Services in XX/XX/2019. The transfer took affect on XX/XX/2019. I made my XXXX monthly mortgage payment on XX/XX/2019 to XXXX XXXX. It was an online payment.The documents that came from my new servicer, Rushmore said I had not made a mortgage payment in XXXX. XXXX improperly applied my entire payment to principle. I have been calling Rushmore and XXXX since early in XXXX to get this matter straightened out. Both companies keep telling me the other company has to correct the issue. XXXX told me numerous times they would handle the matter and would give me a call back. Each time they lied. Now they say they can not do anything about it. My loan is showing that I am behind every month and is reflecting negatively on my credit 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is in regards to the previous complaint filed with the CFPB, XXXX. I asked LexisNexis to update my Current Carrier insurance report with all the policies I have had for the past 7 years since there were gaps on my report and I have not had any insurance gap. I contacted all the insurance companies I have had and compiled a PDF with the Declaration pages for each and every single Policy I have had and sent it to Lexis Nexis so they would updated the missing ones. Not only I was forced to contact the CFPB since they ignored me when I contacted them directly, but now I receive an " updated '' report which is still missing over 10 policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: RI

Complaint narrative:
On XX/XX/2019, I received my monthly SSI deposit to my Direct Express debit card. I happened to be up around midnight and saw the deposit appear. A few minutes later I saw mysterious charges being made which I will outline below. P.S. I live in Rhode Island and was no where near Florida  : XX/XX/2019 Deposit from SSA - {$2300.00} -- -- -- -- Fraudulent withdrawals and purchases : XX/XX/2019 XXXX XXXX FL - ATM {$1000.00}, XX/XX/2019 XXXX XXXX FL - ATM {$500.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX XXXX FL - ATM {$23.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX, XXXX, FL {$500.00}, XX/XX/2019 XXXX, XXXX, FL {$360.00}, XX/XX/2019 XXXX XXXX FL - ATM {$80.00}, XX/XX/2019 XXXX XXXX XXXX FL {$3.00}, There are no other purchases/withdrawals made in Florida as I closed the card IMMEDIATELY upon watching the account get drained. All other charges on my card are mine. I just noticed the XX/XX/XXXXcharges - apparently, whomever did this made these purchases a few minutes prior to the XX/XX/2019 monthly deposit. 
I have NEVER given my card or card number to anyone in FL. I don't know anyone!! These charges are so clearly fraudulent and it is extremely upsetting that this situation remains unresolved. I've had to take a loan from my bank to pay my rent, my bills, food, etc. SSI is my only income. I have XXXX XXXX  and am unable to work. I pray this can be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16 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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was denied credit card for my business purpose, reasons didn't make any sense from creditor, inquiry needs to be remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
In XXXX of XXXX I purchased a car from Hyunadi Capital America for  the amount of {$23000.00}. I made payments of {$430.00} every month for four years. Sometimes I was late or didn't give the full amount but I always got caught up. Sometimes I gave them the payment early or an extra payment. 

In XXXX of XXXX my car payment money was taken out of my account by a family member who had my pin number. So when Hyuandi went to take it out it was rejected for non payment. I got some of the money back and gave them what I had. I made arrangements to make more payments to get caught up, like I have done in the past. The young lady said she couldn't promise anything. The next day at XXXX in the morning they came to take my car. I cried for days, I never ever had a car repossessed. I paid off many new car loans and I had every intention of paying this off. I had one year to go and it would have been paid off. ONE YEAR!! 

I didn't have the money to get it from them in the two weeks they said, so I had to let it go. The next few days I was watching TV and there were ads for a Hyuandi Program selling used cars that were under 50,000 miles in great condition. I realized this is why they were so eager to take my car as it had only XXXX miles on it and it was like brand new. I was in the middle of getting the brakes done and detailed. They just took my car because they wanted it for their program. They didn't care about what they did to me, so why should I care about the bogus amount they want from me. They took my car and lied to me. 

Then I got the paper work from Hyuandi explaining that they sold my car for only {$5000.00} dollars and that I owed them {$4100.00}. The remainder of the loan was {$9000.00} and some dollars. I asked for a bill of sale to prove to me that is how much they got for my car that was like brand new and had under 45,000 miles on it. They sent me this bill with all these fees attached, I know that they got more than {$5000.00} for my car, it was like brand new. 

I am disputing this on my credit report because it says it is closed. I refuse to pay {$4100.00} on a car that they sold and got way more for it than they told me, they had to. Why would Hyuandi tell me exactly what they got, all these corporations want to do is rob the little people like me. I had one year to go, I paid on it monthly all the time, but sometimes it was difficult. I am asking Experian to take it off my credit report. I can not give them this reason on their website so I thought maybe you can help me get it off my credit report. 

I will try to get up enough nerve to call Hyuandi and tell them to remove it. But I fear that they will just lie to me again and tell me I need to pay this. They repossessed my car because of the program they were having, USED CARS UNDER 50,000 MILES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
The debt is not mind. I am not with my spouse anymore I believe is hers, because of the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC
State: MD

Complaint narrative:
Online loan on XX/XX/2019 for {$800.00} and have paid {$850.00} at $ XXXX since that occurs on payday. They said I still owe {$850.00} if I pay off today. 

I found on Maryland web site that payday loans are not legal in my state. The rep I spoke with vas VERY demanding and said this is not a payday loan even though their website says it is. 

PLEASE HELP! Any advise you can give would be greatly appreciated.

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