vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of  my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {$8300.00}. The {$8300.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one  participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I received text notifications for 3 purchases made on my Chase Freedom credit card. Two were for XXXX XXXX for {$37.00} and one was for XXXX for {$100.00}. All 3 of these charges were fraudulent charges. I immediately got on the phone to notify my Chase bank. The 2 charges from XXXX XXXX were declined but the XXXX charge went through. I was assured that I would not be responsible for these charges. My card was terminated and I was issued a new card. Yesterday, XX/XX/2020, I received a letter in the mail stating that I would be responsible for the {$100.00} charge from XXXX, the reason being " You received benefit form this transaction. '' This is false as I did not purchase anything from XXXX, how do they justify me receiving a benefit. I attempted to contact the fraud department right away but received a message saying they were closed and to call back during normal hours. I called 3 hours before they closed so it was a little strange. I tried to call normal customer service after waiting over an hour to speak with a representative, they told me they could transfer me to someone and there was no waiting period. The person however was unable to locate my information using my account number, name or even social. I called again to XX/XX/2020. After waiting over 2 hours and 40 minutes I was able to get a hold of someone. When I asked what the justification was they told me they were unable to do anything to my extensive usage with XXXX. So because I use XXXX a lot that is their logical reasoning as to why they can not protect me with this fraudulent charge. Chase Freedom claims to have Zero Liability Protection but this is false. I did not make this purchase so I should not have to pay {$100.00}. They are suppose to investigate this properly not just deny my claim because I frequently order from XXXX. I can no longer recommend Chase Freedom credit card to anyone. Sadly this is not the first time Chase has not honored their Zero Liability Protection claim nor will it be the last. I plan on cancelling my card once the Corona Virus crisis is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto finance - XXXX - is reporting a 30 day late on my credit report for XX/XX/2018 and I was not late. I have been late in the past, but XXXX I was not late. I paid what I was advised to pay previously by the rep on the phone and paid it. The representative made the mistake, not me. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.

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 2020-03-24 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: NC

Complaint narrative:
XXXX XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

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 2020-03-24 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:
XXXX XXXX is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TX

Complaint narrative:
All FTC violations TXU violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: IL

Complaint narrative:
This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National Credit Adjusters communicated with me through mail and by phone to attempt to collect an alleged debt owed to XXXX XXXX in the amount of {$990.00}. NCA called me on several occasions explaining about this debt that was created over 13 years ago trying to collect from me on this debt. I explained to them that I didn't know anything about this debt. They have repeatedly called me concerning this matter. I WANT THEM TO STOP HARASSING ME ABOUT A DEBT i KNOW NOTHING ABOUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has to update there credit report as XXXX XXXX and XXXX need to be deleted!

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 2020-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare who takes my mortgage payments do not have a deferment program only a forebearance program where you can delay payment for up to six months but after the six months is over everything is owed? Well if you could pay wouldn't you be paying how is anyone supposed to come up with six payments by the end of the forebearance, it makes no sense

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I canceled service with Lexington Law XX/XX/XXXX. since then I was billed {$120.00} and {$40.00} on XX/XX/XXXX. I was told I was waiting on a refund on a card that was supposed to be cleared from the account. Ive called several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.

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 2020-03-24 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: TX

Complaint narrative:
All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TX

Complaint narrative:
All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
PHH Mortgage is charging a {$7300.00} inspection fee which never took place and there is no documentation of this fraudulent assessed expense. PHH Mortgage will not allow an accurate pay off quote and payment Information. When called, we are getting non compliance and payments are not being applied to this account. 
We suspect PHH is committing inappropriate activities which the company has been accused of in XXXX XXXX and recently settled a case in XX/XX/XXXX. 

1. Offered for settlement {$8600.00} Owed {$8600.00} 2. Principal {$570.00} 3. Interest {$100.00} 4. Total Payment {$680.00} What PHH Wants 1. Monthly Payment Of {$17000.00} 2. Fraudulent Inspection Fee Of {$7300.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Federal Adjustment Bureau, Inc.
State: FL

Complaint narrative:
They are attempting to collect on a debt that has been included in Chapter XXXX. They continue to report incorrectly on my XXXX  report. It's been verified via XXXX  twice and it's incorrect. They are in violation of the bankruptcy code and 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 2020-03-24 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: Synovus Bank
State: UT

Complaint narrative:
First Progress is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
AmeriHome Mortgage Company, instead of sending one monthly bill on a set schedule, sends out a new bill every time you make a payment. When a lender sends me a bill, I pay it. As such, I have made 31 payments to AmeriHome Mortgage in the last 25 months ( 6 extra  payments to this company ). In both XXXX and XXXX XXXX, I made 2 payments each month. I made 3 payments in XXXX XXXX, 2 payments in XX/XX/XXXX, 2 payments in XX/XX/XXXX and again in XXXX XXXX. I have made 2 payments in XX/XX/XXXX. As a consumer, I should be able to expect to receive one bill each month on a set schedule. I received a statement date of XX/XX/XXXX, with the payment due XX/XX/XXXX. It stands to reason that the statement date of XX/XX/XXXX should have a payment due date of XX/XX/XXXX. No, they put the payment due date as XX/XX/XXXX in both XXXX and XXXX, giving me a 2-day window to pay the XX/XX/XXXX statement ( thank God it's leap year, so I got that one extra day ). They charged a {$38.00} late fee, although they're payment system makes no logical sense and I'm 6 payments ahead of schedule. I believe AmeriHome Mortgage should send consumers one bill per month on a set schedule. Again, I have made 31 payments in 25 months, based upon their wacky billing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs 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 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

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 2020-03-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

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