vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received several calls from XXXX regarding a Citibank account that I had in XX/XX/XXXX. The representatives I've spoken to claim that I was given a settlement amount of {$1000.00} and something, but since I have not paid the settlement amount, that my wages will be garnished for an amount in the {$2000.00} range. I filed for bankruptcy in XX/XX/XXXX which discharged the debt I had previous to XX/XX/XXXX.

Not only is this company, XXXX XXXX XXXX, using outdated information, but they have called my family members who were not co-signors nor otherwise involved in the accounts I had in XX/XX/XXXX. They are harassing me and threatening to garnish my wages as well as harassing family members who have nothing to do with this debt by leaving cryptic messages and causing them to worry.

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 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I went through a divorce and I have a daughter that is totally XXXX. I was on time with my payments when I was put through a divorce. Now my interest and payments jumped up XXXX. Making it almost impossible to pay back. I am just now getting back on track where my check isn't garnished from marital debt that I was left with. I am getting ready to lose my job cause it is moving and closing. 

It is impossible for struggling people pay when the loan company Navient charges so much interest. If the interest was lowered and it was closer to the true amount I actually owe, I would be able to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I did not knowingly authorize the following to do a hard inquiry : GUARANTEED RATE XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 Permissible Purpose : CREDIT I asked Guaranteed Rate for a letter of deletion and they refuse. I asked XXXX  to dispute it and they said they don't do anything for hard inquiries that my only solution is to get a letter of deletion from Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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 belongs to someone else
Company: First Data Corporation
State: TN

Complaint narrative:
XXXX or Telecheck has a file that contains incorrect information on me and It has rendered my life useless at times. Im so tired of this. I cant open a bank account. I have done everything imaginable to resolve it and they refuse to correct my file. They decline my accounts. They decline my checks. They are the most heartless unethical company known to man.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: HI

Complaint narrative:
On XXXX XX/XX/XXXX I submitted a dispute with JP Morgan Chase regarding a credit card I had open with them. From XX/XX/XXXX through XX/XX/XXXX over {$14000.00} in charges were made on my account for XXXX Purchases that I did not make or authorize. I attempted to handle the issue through XXXX and XXXX before submitting my dispute through Chase. I followed all the requirements of the Fair Credit Billing Act in that I submitted a written request detailing the fraudulent charges. Although some charges were made outside of the 60 day window I did not become aware of them until XX/XX/XXXX. Initially Chase removed the charges from the account, but then they were added back on. The first written communication I received from Chase regarding this was sent on XX/XX/XXXX stating my fraud review was completed and the charges were found to be valid. I protested and received another notice stating this again on XX/XX/XXXX. Prior to this no other written communication was made or received by me from Chase. I believe this is a direct violation of the FCBA and in accordance with that act I should not be held liable for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
XXXX was billing me for cable services fraudulently. I did not have any cable services through XXXX at my home residence. I had previously fought with them over these amounts and was actually told I would be getting a refund personally for all the monies I was automatically being charged every month for cable services that I did not have. After months of dealing with this i was told it was taken care of and removed after I showed them proof that i had XXXX services during the entire time in question. I had to actually forward them copies of my bills from XXXX which is did on XX/XX/XXXX. I was told at this point it would be taken care of and removed and for some reason it popped back up on my account in XX/XX/XXXX. I do not owe this company any money they actually owe me refunds for the monies i had paid them automatically out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select Portfolio Servicing bought my mortgage from my previous mortgage lender XXXX XXXX on XX/XX/2019. Right away, SPS they told me that I had not made a payment for XX/XX/XXXX to XXXX XXXX, and that I was already behind. 

I contacted XXXX XXXX to make sure they processed my XX/XX/XXXX payment and that all previous payments were up to date. XXXX XXXX sent me a copy of all transactions showing that everything was fine, including my XX/XX/XXXX payment. 

SPS has decided, even with a copy of the transaction from XXXX XXXX and my personal bank statement showing the transaction, to Not recognize the payment to XXXX XXXX XXXX. 

SPS has also inflated my escrow monthly balance to XXXX. The tax amount on my property is {$1100.00} annually, and my insurance is about {$1100.00}. I have asked SPS for documentation for the escrow overage, but they will not provide me with the documentation as of today. 

I had made a payment ( s ) to SPS in the amount of {$1000.00} in XX/XX/XXXX and another payment in the amount of {$1000.00} in XX/XX/XXXX.

I received a notified letter from SPS over the weekend, that my loan is in default, so I am seeking help. 

Thank you, 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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America had fraudulent accounts opened in my name several years ago without my knowledge. I go into a branch to open an account for myself and I had my social, my drivers license, my birth certificate and the bank manager contacted the fraud department to resolve the issues with the old accounts that had been opened without my knowledge or consent. We faxed police reports and we explained all details. The branch manager explained they had me there is person. Do you know the fraud department at Bank of American still refused to open the 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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
called XXXX to lift my credit freeze for a mortgage loan credit check and was unable to log on with my user name and password that worked the first week of XX/XX/XXXX. called the help line number on the log in page and it took over 10 minutes to navagate the phone tree and it hung up on me several times trying to verify me but i finally got in to talk to a rep. the first lady was hard to understand and she was again trying to verify my accounts before she could help. got to the last step and she asked about a balance on my credit card and it told her XXXX but she kept saying back XXXX cents and then said since i could not verify the dollar amount she hung up. then i called again and had the same experience with that lady and the language barrier so i asked her for her name or employee id number and she would not give it to me so told me to transfer me to a manager and she hung up on me. contact info is required by law i believe ... 
called again and got another person who would not transfer me to a manager and tried every way to not do it. i kept asking for her name or employee ID and she would not give it to me so i asked for a manager and she actually transferred me. the manager verified my account info and helped me but i told her i wanted to file a complaint against the first two people and she did not know who they are even though they were both into my account and i know they have to track that access as required by law. so she was hiding that fact and that is why i am submitting my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}

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 2020-02-10 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: AR

Complaint narrative:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}

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 2020-02-10 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Transunion Credit report. Transunion has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2020-02-10 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: NY

Complaint narrative:
Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
Credit Systems for XXXX  XXXX Opened XX/XX/2019 {$220.00} Placed Collection on Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Back XX/XX/XXXX I filed a complaint with you because my morgage payment had been messed up since XXXX of XXXX. According to my complaint and you sending in to ditech it was supposed to be corrected. Well here we are again and its the same exact thing as the previous complaint. It currently shows that I am behind on my payment which is not correct. It states my last payment was XX/XX/XXXX which was when they supose to have corrected my account. I made a payment on XX/XX/XXXX and XX/XX/XXXX but it does not show this. This is the exact same thing that has been happening every since last XXXX. It's so frustrating. I just want this to be fixed correctly, although it is a clear as glass that even management doesnt know what they are doing. I just dont know what to do anymore. The one thing I can tell you is that I dont have that kind of money to make 2 payments when I have been paying all along.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2020-02-10 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2020-02-10 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: TX

Complaint narrative:
Experian is allowing XXXX XXXX to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and Experian not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
I filed for bankruptcy in XXXX of 2018 - it was discharged in XXXX of 2018. I still have 2 companies reporting open accounts for items that were included in this bankruptcy. They are correct with XXXX  and XXXX   but Experian will not correct it on their report. I have filed a dispute with Experian, and written 3 letters to the creditors trying to get this resolved. The two open tradelines are XXXX and XXXX XXXX, both were discharged through bankruptcy. I feel that I am being discriminated against as I have tried numerous times to correct these issues and they have been ignored. I want both of these tradelines to show closed and discharged through my bankruptcy instead of showing as open and collections. People file bankruptcy for various reasons and in my case it was due to divorce, I am trying to resolve my financial issues and having these two incorrect items on my report is effecting me to recover from this situation. Please have Experian correct my credit report immediately or I will have to seek legal counsel.

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 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to 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 non-monetary relief