vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: MD

Complaint narrative:
A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a 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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card from Chase was used at a gas station for the amount of XXXX on XX/XX/18. I have never been to that gas station before, nor have I ever spent that much money at a gas station. 

I have disputed this charge twice and both times, Chase has said that the payment was authorized since it was a pin transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied AMEX Blue Cash Everyday credit card at XXXX. By the advertisement, I will get {$200.00} after I spend {$1000.00} within 3 months of opening new account. But AMEX didn't give that to me after I satisfy the criteria. I tried to communicate with AMEX in XXXX and XXXX, and asked for investigation. But they still refuse to give that credit to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX and XXXX and CAPITAL ONE were no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I applied for Oregon homeowners stabilization initiative and submitted the application on XX/XX/XXXX with XXXX XXXX at open door nonprofit counseling. I have to submit a third-party agreement for both my first mortgage and this equity loan which I did. I even have an email from XXXX stating that he had filed the application. I received a letter dated XX/XX/XXXX from Wells Fargo NA That they were contacted by Oregon homeowners stabilization initiative they also stated they didnt get a third-party agreement. I received a letter from Wells Fargo dated XX/XX/XXXX stating they did get a third-party agreement in regard to my first mortgage. Funny they were sent the same day all the sudden the equity loan has disappeared that third-party agreement it appears. Thinking that they had gotten both third-party agreement and who wouldnt I went on with the process. I was contacted by XXXX XXXX on XX/XX/XXXX that I had been approved for this program also known as OHS I. We arrange for me to come out and signed the papers the following Thursday, XX/XX/XXXX. I brought a friend of mine with me who actually drove because I am XXXX and was extremely stressed over this whole process for the last two years. I signed the papers but when I got home I read them again. First of all it said I would have a week to review them that wasnt true I had 15min. After reading them I didnt recall seeing anything about the equity loan I am mediately sent an email to XXXX that same day. I then received an email back song and dance again similar to what I had received three months ago stating they werent sure if they were going to pay that one but I was told three months ago they would. Now Wells Fargo has continued with trying to foreclose upon my home with a second equity loan. I also received a copy of my XXXX original award letter going back to XX/XX/XXXX retro date XX/XX/XXXX. The importance of this award letter is that nobody believe me that I was XXXX and was abusing psychologically my mental ability and stressing me out even though I told them I couldnt endure stress I asked for an advocate I was ignored I have been psychologically abused for months by this company and their manipulation lack of acknowledgment of anybody belonging to the XXXX or XXXX XXXX  XXXX act. Now Im afraid once again Im going to lose my home even though I have made every attempt I could to get the papers Sent with my XXXX that no one even cares or at knowledges. I have sent email after email I have documented screenshots PDFs everything you can imagine please help me protect my home 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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC
State: OH

Complaint narrative:
Certegy Check Services {$410.00} XX/XX/2019 Merchant who uses Certegy service- XXXX XXXX , Kentucky They declined a check at a merchant when there were sufficient funds to cover the transaction. Upon being questioned why the check was declined they refused to give a legitimate answer the only answer they could come up with was that the transaction was denied based on the possibility that the computer algorithm they use deemed it necessary. They went on to further say that this had nothing to do with my credit worthiness or my account balance. This is a fraudulent service that uses no basis for their facts. And then they went on to further say that there was no way possible for them to reverse the actions that they have done by denying the check. Please shut this company down and protect the American public

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-03-11 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 — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have not been approved to the two companies and want it off my hard inquiry because I dont want it effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
SUBJECT : XXXX XXXX disputes inquiries on Equifax Credit Report as shown below. 

Inquiries disputed : XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Description : UNKNOWN and UNAUTHORIZED hard inquiries ( as shown above ) reported on consumer credit report. 

Cardholders Argument and Violations : 1.Credit reporting agency reports multiple hard inquiries listed above on consumers credit report ; consumer did not authorize access to these credit hard pulls. 
2.Consumer Credit Reporting Agency is not in compliance with the Fair Credit Reporting Act and reports inaccurate information on consumers credit report. 
3.These discrepancies violate to consumers Right to Privacy and not in accordance with the applicable regulations. 
4.Unauthorized inquiries recorded on consumers credit report prevents consumer from acquiring credit ; causes consumer financial hardship. 
5.Consumer has notified Credit Reporting Agency of these discrepancies in the past ; Credit Reporting Agency has failed to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: AZ

Complaint narrative:
The following delinquent account listed on my Experian, XXXX   and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX for {$360.00}. The account is fraudulent and dont belong 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 explanation
Consumer complaint received 2019-03-11 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: AZ

Complaint narrative:
The following delinquent account listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX/XXXX  XXXX for {$360.00}. The account is fraudulent and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
I HAVE A ACCONT ON MY CREDIT REPORT FROM AUTOMATED ACCOUNTS MANAGEMNT AND IM REQUESTING THESE 2 ACCOUNTS TO BE REMOVED FROM CREDIT ACCOUNT NUMBER XXXX AND XXXX I DO NOT OWE THIS COMPANY ANYMONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My wife and I refinanced our mortgage for this property in XX/XX/XXXX. We set up online bill pay to automatically make payments to the loan account. We even added extra for principal to make an even $ XXXX  monthly payment. In XXXX of XXXX, I went to refinance a different property and learned that we both had a 90 day late on our credit reports that ruined both of our credit scores. Initially I had no idea who Shellpoint was, but I recognized the loan. I learned that XXXX XXXX XXXX sold off our loan to SHellpoint who was the new servisor. XXXX continued to take our checks that were sent via bill pay from our bank and never returned them to the bank as the bank never notified. I learned that SHellpoint ruined our credit scores and never received the payments from XXXX. When I learned this, I made complaints to Shellpoint and also made loan whole to this date. They refuse to remove the negative credit comments which killed our scores. I made several calls to Shellpoint and still have yet to hear and understand why they wont discuss this with me and fix our credit scores. One or the representatives admitted to me that they sent letters to the wrong address, yet they still wont make it right. Please assist us. 

Thanks XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. 

I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
At the time, I paid the current insurance policy to XXXX ( Caine Weiner ) in full to date. There should have never been any credit reporting for unpaid bill on my account. The company reported that I opened the account XX/XX/XXXX, the reporting was for XX/XX/XXXX. 

I have proof that I was in contract with an alternate insurance company the date Caine Weiner claim I opened the account ( Please see attached document ). Reporting on the account is false. I have a receipt for the services of Caine Weiner ( XXXX ) paid in full. The company is attempting to force me to pay for services not rendered. Please see attached documentation. 

Please remove account from my credit reports as it is adversely affecting my scores and it is proven to be false with attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have opened a bank account with Citi bank because I saw that they are offering a {$500.00} bonus. I have met all the conditions but Citi won't give me my bonus.

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 2019-03-11 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: CA

Complaint narrative:
I am the custodial parent of my children full-time and have been since 2013 official closure of the erroneous to child-support accounts date back more than two years the balances are at XXXX of the moms close the case two years ago in the department has tried to get Trans Union to fix this error but for whatever reason union continues to want to ruin the lives of me and the XXXX girls I support by displaying in accurate information because theyre too lazy to look into the issue and find out from the Department of Child for California all these are closed in the entire record should be removed according to the department

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 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.

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 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.

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