vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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:
I have been trying to work with the credit bureaus XXXX, XXXX, and Experian with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and 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 2018-10-18 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Opened a Brokerage+ Checking account with Charles Schwab as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.

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 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My account went into a negative balance for 1 day and then the bank decided to close the account even though this was the first time. They then held up my deposits to cover the balance for 2 days. It's in positive balance now, but they still say they're going to close it. I got a letter saying they asked me for more information and because I did not provide it, it will be closed. But they did not make such a request. Now I get an email from them saying my deposit statement is available online for my account ending in XXXX. But my account ends in XXXX. They may be upset at me because I filed a dispute for {$4900.00} against a moving company that ripped me off and would not pay for damages. It's outrageous that the bank decided in their favor. I did email them one heated message. Then I filed another dispute for the 2nd charge of {$1400.00} against the same company and they rejected that one also in record time. I feel the dispute call center in the XXXX is against me. I explained to them that the movers used my own shower towels & linens to pack my fragile items and broke my stuff, but they didn't want to hear it. This moving company is mentioned in over 4700 lawsuits ; they're notorious. I expected the bank to be there for me at this time. What a let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
As advised by the CFPB representative, I am filing the repeat complaint as the defaulter company is not responding to the orginal complaint # XXXX. Following is the details of the complaint This complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ). Here is the sequence of events as it happened 1. XX/XX/2018 - collection worth {$160.00} added in my XXXX  credit report by this agency for not settling pending dues for apartment rented for XXXX XXXX XXXX. Informed collection agent that, I did not receive any statement and asked for dues statement 2. XX/XX/2018 - Statement received from collection via email 3. XX/XX/2018 - Dispute raised via email. Statement had many discrepancies and invalid amounts. Main discrepancy in the statement is {$90.00} added under the head of " XXXX - Error Charge ''. They have also added additional collection charges on top of original dues. 
4. XX/XX/2018 - Sent the dispute by post as no response from agency for email for more than a month 5. XX/XX/2018 - Agency replied that they have done the review and the amount found to be correct and did not provide any clarification on the discrepancies. ( See CollectionAgentDisputeResponse.pdf attached ) 6. XX/XX/2018 - Sent letter to agency and asked to clarify amounts in detail. ( See DisputeLetter.pdf file attached ) 7. XX/XX/2018 - Letter was received by collection agency. ( See the  USPSTracking.png attached ) In between, I have reached the original creditor, XXXX XXXX XXXX, for clarification on the discrepancies and got clear reply that the collection agency has the details about the statement. 

I have made multiple attempts on XX/XX/2018 and XX/XX/2018 to reach the collection agency by phone. They are now applying confusing communication tactics to forcibly collect invalid amount which they are not able to clarify. here is how they respond to the calls : 1. Keeps quiet when asked about the clarification and calls gets automatically disconnected abruptly multiple times. 
2. Telling me the dispute is still in review and do not provide ETA when the they have done with their review on XX/XX/2018. 
3. Keep my calls on hold and transferring to a person who is not available. 
4. Calls up my friend when they have my contact information. 

I have already informed the collection agency, that I am willing to pay the dues if any once they clarify the discrepancies. But they are intentionally delaying the resolution of dispute which is affecting my credit score and causing mental harassment to me and my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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:
Opened a Brokerage+ Checking account with XXXX XXXX as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I spoke with a rep at Quicken Loans about refinancing, I decided to pursue a different avenue and he left me alone. The I got emails and text back and forth with another rep and indicated my biggest  issue was their persistence. After being done with her I kept receiving numerous calls from XXXX ( XXXX ) XXXX, 7 in the past 2 days alone, 2 I answered he just recorded my voice and hung up. There are also a few other numbers I think are them as well ; ( XXXX ) XXXX called me 5 times in that same span.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. 

It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX  and any debt reported be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I graduated during the financial crisis in XX/XX/XXXX. Couldn't find a full time job until XX/XX/XXXX when my monthly salary was less than $ 30k and Sallie Mae asked me to make my first payment of {$1600.00} towards my student loan which at the time was impossible, it still is even though I make a decent salary. Over the years I have worked with the lender to help lower my payments by extending the life of the loan, sometimes having to forebear, etc. I've worked with them as much as I could and currently making monthly payments at around {$1300.00}. No matter how hard I tried to keep up I couldn't. WIth the majority of my income going towards my student loans I fell into credit card debt to survive. I just did an analysis of my Navient Student loan payments and discovered that. 
1. I made $ XXXX in payments since XX/XX/XXXX 2. Only 10 % or $ XXXX of that went towards my principal balance 3. I still have $ XXXX in student loan debt. This means if it takes $ XXXX out of my pocket to pay off $ XXXX in principal balance, then I'll be paying XXXX  XXXX overtime to pay off my loans ... SEND HELP. 

I've attached all my payment history for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: DE

Complaint narrative:
this account was result of fraud due to the XXXX  breach for balance {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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:
I have been trying to work with the credit bureaus Transunion, XXXX, and XXXX with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and 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 2018-10-19 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:
I have been trying to work with the credit bureaus XXXX, Equifax, and XXXX  with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX  N/A Equifax : XXXX, XXXX XXXX:XXXX, XXXX XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX  Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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:
of the 3 major credit reporting bureaus, I have been unable to get in contact with Experian to fix an error on my credit report. I have tried numerous phone numbers Experian 's website has provided and still there is no option at all for real customer service to help me resolve this issue. If you will check online, you will see that this is a reoccurring issue for everyone else who has tried to reach out to Experian. Experian is purposely making it hard for anyone who wishes to cancel their service, fix an issue because they offer no way for you to talk to anyone at all, only a automated message that gives you two options and if you go outside of those options, it will just hang up on 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 2018-10-19 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: DE

Complaint narrative:
experian continues to report a fraud account from XXXX # XXXX this account was result of fraud from the XXXX  breach and company disputed 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 2018-10-19 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX  Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : 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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hello My name is XXXX XXXX I recently purchased some ink for a printer of the XXXX marketplace, I paid using XXXX through my wells fargo bank account. I sent the seller XXXX dollars the seller never sent the product and he sent me a bogus shipping number. After this happend i called wells fargo to open a case, I was informed that they dont protect you if you use XXXX through wells fargo. I researched what could be done and found you guys i attached a zip file with the full conversation between me and the seller i had to take screen shots of the conversation as i had no other way of sending the conversation but it should be in order. The Reference number of the XXXX transaction i did through wells fargo was # XXXX. This was a tranfer to XXXX on XX/XX/18. This seller was also trying to get me to send some crazy amount of money for shipping that i didnt send it was clearly a scam but im hoping you guys can contact wells fargo and do something about this.

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018 I had opened a Credit Card Account with Citi Card. In which they have deducted {$200.00} dollars from my Checking Account with XXXX  XXXX XXXX. 
I have received the credit card, with the {$200.00} limit, for the amount I paid them to place on my credit card credit limit. 
I used the card, and made around 3 or 4 transactions only. ( small ) I tried to place the card information on my XXXX under XXXX wallet so I contacted them, and the recording asked me to verify the information, which I did. The Representative asked me for my phone number and my name, I gave that to her. Then she asked me for a landline number, I informed her I did not have a landline, but I gave her my husbands number. 
They told me they were not able to verify my information based on this information, and it turned it into a Fraud Alert. I asked the customer service rep in the fraud department, if I could verify my information in any other way? by my social or any other way, she said no, that they would have to verify my account in this way, and they would be sending me a letter. I asked to speak with a Supervisor, and she informed me the same thing. Now my card is locked, I am not able to pay the bill or use it, I finally was able to pay my bill on XX/XX/2018, I contacted the credit card company on XXXX XXXX when my bill was due, and they told me until I receive the letter, they were not able to do anything on my account. I finally received 2 of the same letters on XX/XX/2018, and they both said the same thing. The said to contact the company because my account was being placed on a fraud alert. It did not give me any indication other than to contact the company and I did, and on the same day XX/XX/2018, I contacted the Citi Card Company, and informed me that I was supposed to receive another letter with a code on it, and I informed them, that I had not, I spoke to someone named XXXX   ( supervisor ) I asked for the Corporate Number, but she told me that she was not allowed to give me Corporates number. I told her that I needed to contact them, and I wanted to suspend this account. Again she said that there was nothing she could do to verify my information and I would have to wait on this particular letter. 
I am very fustrated about this whole ordeal, I believe Fraud on their part is happening. 
I would like to report them.

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 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mitsubishi Motors North America, Inc.
State: CA

Complaint narrative:
Identify theft Then cherges made Inquiries Attempts for.loans am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  ( EST ), I called Ford Credit back after one of the numerous messages they left on my personal cell phone. I dialed the extension for XXXX, but my call was answered by someone named XXXX. 
XXXX barely let me speak and was so rude and nasty I don't understand how or why she still has a job. She had the audacity to tell me I may as well cancel my {$60.00} partial payment ( which would have resulted in a {$35.00} stop payment fee to me ), threatened to reposses my car as if it belonged to her personally, and when I asked to be transferred to someone else, she hung up on me. 

I don't appreciate being threatened with repossession at XXXX XXXX XXXX especially not when I suffered a XXXX XXXX in XXXX and am still in recovery. 
I was laid off from my job in XX/XX/XXXX and suffered a XXXX XXXX in XX/XX/XXXX. I have been in recovery for 6 months and unable to work. I was JUST cleared to look for work a few weeks ago and my payment history wasn't bad before these events. 
XXXX doesn't appear to have been trained on how to be professional when speaking to customers ; she spoke to me as if I were less than a person because I'm not yet able to make my missed payments.

Company response to consumer: Closed with explanation