vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: NJ

Complaint narrative:
The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX XXXX/XXXX   Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # 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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
Was making payments to XXXX XXXX XXXX for a cell phone bill. They decided to send it to collection company. I have sent letters requesting proof of the bill. I have gave time according to the FCRA but have not heard anything from the agency. 
XXXX XXXX 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 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
I had a loan modification at XXXX per month. 
Then the interest rate adjusted at the new payment is XXXX per month. 
I applied for loan mod and denial when all paperwork was complete. 
Were in the pandemic and Im being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have my daughter as authorized user on my credit card and she lost the credit card last year and didnt realize it. I use card slot myself and have auto pay to make sure it is always paid on time. I have been sick since last year I have very bad XXXX XXXX in and out if hospital so the subject of the lost card come up months later when I finally went online checking bill when I finally had strength after battling covid 19 virus. Chase refuses to accept the fraud claim because we didnt report ASAP. They first asked to send proof of my daughters where abouts when the charges took place so I sent them a copy of her ezy pass showing she was over 300 miles away or so from the dates of the charges took place and they told me not enough proof are you kidding. Then I took it upon myself filled out identify theft report., they didnt care after about 8 attempts they told me send in police report I did days later I got same generic letter refused claim. I will not have my right broken or XXXX liability with solid proof I had given that it was not her charges. And when I ask for a supervisor chases freaks out and saids you tend on sueing chase snd I reaping NO I want justice. Please help XXXX m XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XXXX and and maintained at least 70 days. So far still do not receive the bonus from Citi. 
I received the personal invitation code XXXX from the bank and did what they requested, they should credit the {$500.00} right away

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 2020-05-15 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:
I contacted Equifax to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Equifax responded to my request for verification with a response. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Equifax and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Equifax responded by sending me a letter requesting information for identify verification ( Something I have sent over 100 times the were playing games to stall ). I have sent Equifax letter from XXXX XXXX stating that the account could not be verified ( the source sited on the Equifax report as verifying the Bankruptcy ) Equifax is willfully reporting erroneous, damaging, and unverified information on my XXXX  report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: MO

Complaint narrative:
The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was incarcerated for 10 years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My car was totaled on XX/XX/XXXX. Our insurance company, XXXX paid about {$20000.00} to the finance company, Exeter Finance on XX/XX/XXXX. The check cleared on XX/XX/XXXX. My boyfriend ( who I share the loan with ) and I have been in close contact with Exeter pertaining to the payment status from XXXX and what was happening on a weekly basis. We spoke to customer service agents in the total loss and GAP depts. constantly while dealing with the insurance claim. No one ever said that a payment was due, or about to be late. No one let us know once that the {$20000.00} given to them by the ins. company wouldnt be counted as a payment since it was directly from US. So they proceeded to report a late payment for the month of XXXX and in doing so dropped mine and my bf credit 81 pts. This has devastated us both. I spoke to the GAP dept on several occasions on XX/XX/XXXX, the day I got the alert about the credit change and all they could tell me was that I signed the contract where that piece of information is buried in a lot of paperwork that Im never going to get to read and that this kind of mess happens daily for her. She hears this issue all the time according to her, and still Exeter finance company refuses to inform the customer that their credit could be effected if payments dont continue. Especially when they know this is something constantly overlooked by their costumers. It seems Exeter is simply trying to make their money. But speaking as a person who has been working to get their credit up, and TRUSTED Exeter finance to help me do that, I feel betrayed. I have read about law suits theyve lost due to doing bad business. I fully intend to take this up to corporate levels to get a resolution, as well as dispute the missed payment. But I felt I needed to ask if I have any kind of case to go to a lawyer about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stilt Inc
State: GA

Complaint narrative:
I have requested the lending entity that I will repay immediately XXXX USD and work out the rest ASAP of the balance of XXXXUSD at the moment. But they are not allowing me to do so and purposely allowing the outstanding to accumulate and continuously charge the interest. 
My repeated exchange of mails did not yield any result.

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 2020-05-15 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:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

Not only is this account invalid and inaccurate, but to make matters WORSE, this account keeps " updating '' " missed payments '' every month even though it appears to be an account that was charged off years ago. Therefore, it goes on record as FIFTY+ missed payments and counting and it consistently and fraudulently shows I have a missed payment within the last 60 days -- even though I do not ( images attached ). This is not only inaccurate and invalid, but it's intentional, malicious damage to my credit, and it's unlawful and ILLEGAL. 

Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the above account be removed immediately.

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 2020-05-15 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 contacted Transunion to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Transunion responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Transunion and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Transunion is willfully reporting erroneous, damaging, and unverified information on my Transunion report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the 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 non-monetary relief
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

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 2020-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
After a 3 & 1/2 year relationship, I'd had enough. On XX/XX/2020 I broke off the engagement with the father of my XXXX month old daughter. Taking my XXXX girls and a handful of clothes, I left him on the morning of XX/XX/2020. While en route from XXXX  to XXXX, I discovered my girls ' XXXX savings accounts had been drained. I had {$3000.00} in each of their minor accounts with me as the sole guardian/parent/owner. I specifically set them up this way with a personal banker who assured me he'd never have access to these accounts. I had opened these on XX/XX/2020 in person with an initial deposit of {$2500.00} into each account and added a second deposit of {$500.00} each on XX/XX/2020. Evidently on XX/XX/2020 he managed to do an online transfer of both their savings accounts into the mutual checking account we'd been sharing for a few years. It was around XXXX or XXXX on XX/XX/2020 when I saw my daughter 's monies were missing from their accounts and so I quickly went to a Wells Fargo branch in XXXX  where I was given a print out showing the funds were in a pending state. After hours of phone conversations with many Wells Fargo departments I was given case numbers and assurances that the transfers had been halted and my daughters ' monies were safe and to be returned. I was told it would take 10 days then I was told because of my need and urgency, it would be expedited. Extra safety measures were put into place to ensure he couldn't repeat the stealing of my girls'monies by setting their accounts up with my voice recognition and a verbal password. After a few days of waiting, and several phone calls more, I was instructed to go into a Wells Fargo branch in XXXX XXXX to close out the mutual checking account on Saturday XX/XX/2020. It was then I was told my girls monies should be returned to their accounts in two days. Two days later and still no funds. I did receive an email instead stating I'd receive a phone call in 3 days. It's 3 days later today on XX/XX/2020, and no phone call - no funds. The only piece of information they would tell me was that he withdrew the money on XX/XX/2020 at XXXX & XXXX XXXX. I am now unintentionally a financial burden on close family and friends. Please help!

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 2020-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Macy 's credit card has reported a late payment and has ruined my credit score by more than a 100 points, I have tried to get in contact with someone regarding this issue but they would not help me. I was not aware of charges on my card account, and I had made a return that should have completely covered it. In addition, when I was in the store and asked an employee to check my balance, they told me I did not have a balance thus I was not worried about it. Until I opened my credit score and noticed a huge score drop. This is unethical, in difficult times like this, I can not have my credit ruined over a very small transaction. I was unaware, and even after checking with an employee I was given incorrect information. I would like to dispute the late payment.

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 2020-05-15 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: MO

Complaint narrative:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a mortgage loan with WELLS FARGO HM MORTGAG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO HM MORTGAG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO HM MORTGAG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2020-05-15 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:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

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