vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX both lead off the characterization with " seriously delinquent '' when I have never made a late payment, been charged a financial penalty or incurred a cent of interest on a potential interest-earning monthly balance or statement. That is completely true of credit cards and 2/3 rd true of car and home loans. Moreover, a possible smirch on my otherwise pristine record may have arisen from a collection issue with XXXX - a non interest-bearing situation - over timely cancellation charge resolution.Including utility service disputes in credit ratings may be an overreach in some credit activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Experian had my permanent address listed in various formats as well as different spellings of my name. Probably to facilitate fraud with illegal immigrants as they were very adamant about not making a correction on the report that should have just required me uploading my id to show the true spelling of my name and correct formatting and unit number for my address. 

Experian has readded the address without a unit number. I feel this is to facilitate fraud so they can get Federal Grant money to increase their security controls and some side money by helping illegal immigrants facilitate fraud and obtain services that legal US Citizens can barely obtain even though they work and pay taxes. 

I want incorrect and fraudulent information permanently removed from my report and not readded. 

Additionally the whole credit reporting system is a violation of UN Declaration of Human Rights Article 12. 

Please have them remove this incorrect information. I never applied for credit with this address nor have I used the address without a unit number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
On XX/XX/2019 Lexington Law withdrew {$49.00} out my account with my authorization. I got my bank statment and noticed this. I haven't done business with this company since last year so why would they charge my account. I called the company and they had me on the run around kept connecting to different people but not to the right person I needed to talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My identification was stolen due to an clerical error by the Texas dmv & XXXX data breach. 

Wells fargo, for the past year refused to use common sense, approve my personal loan so I can move back to XXXX XXXX, where my identification is valid. 

I was born in Texas, had to change my name os my social security card, I have an statement from XXXX from XX/XX/XXXX : I can use my statement to get my personal loan approved. 

I'm an XXXX XXXX XXXX employee since XX/XX/XXXX. 

I open my account with Wells fargo XX/XX/XXXX less than 2 weeks later I filled an police report with the XXXX XXXX, Tx police department XX/XX/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 2019-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently obtained my credit report & learned my Macys credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted Macys to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. Macys is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If Macys can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because Macy 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, 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 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Around XX/XX/19 I attempted a bank to bank wire transfer from my M & T bank account to my credit union. Via the online process, M & T requested my user name and password for my credit union account , M & T accessed my account and then asked a couple of unique questions regarding my  credit union bank account. I answered the questions and was told everything was successful and I could complete the wire transfer. I then attempted to transfer the funds, but was then denied as I was told one of their fraud detectors were triggered. I've been the same back over 20 years and since M & T took it over via an acquisition. I called M & T to see what triggered the fraud alert, but was told they could tell me anything, nor did they know why it was triggered. The transfer was very important as I was closing on a mortgage and urgently needed closing costs money transferred to my CU. I was told I needed to email my CU statement to lift the wire suspension. I emailed the statement around XXXX but was never notified by M & T that the suspension was lifted. I never completed the transfer. 

On XX/XX/19 I attempted to use XXXX, a service offered on my M & T account to transfer {$250.00} to a relative. After successfully registering and attempting to transfer the funds, M & T denied my transaction, advising I triggered one of their fraud alerts/detectors. Again tremendously inconvenienced and know feeling targeted, I called M & T to determine what happened but was told they could not tell me nor did they know. I advised I felt weird and somewhat discriminated against. Why do I constantly trigger a fraud alert but no one can tell my why or even provide a high-level rationale. 

Similarly to when someone is provided or denied credit a company must advise why, M & T 's current practice will cause additional regulation because banks can't do what's right unless forced to. I understand specifics may not be able to be provided to keep the integrity of the process, but you have to tell long term, honest customers something. The treatment is just wrong, and falls on deaf ears. 

Nevertheless, I was unable to complete the transfer and was not provided a reason, nor timeframe as to when I would be able too. I ended up using XXXX XXXX to complete the transaction ( I also used XXXX XXXX to facilitate the movement of funds from M & T to my Credit Union - back in XX/XX/2019 ). 

I have had NSFs in the past, and have paid all fees. A review of my account history will never show any fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 or about, XXXX XXXX, 2019, I called Chase to hear my balance, and I discovered that there was a charge that I hadn't made to XXXX for {$570.00}. I told the Chase agent about the fraudulent charge, and she cancelled the card, took off the charge, and mailed me a new card. 
A few weeks later, Chase called me and asked me whether I knew XXXX XXXX. I replied that I did. They continued with, " that name is on the fraudulent charge, and so is his email address ''. We got off the phone, and I thought that was the end of it. 
On XX/XX/2019, I again called Chase and after listening to the automated message regarding my account, I heard that the XXXX charge was put back on my account. The charge was reinstated on my new card. I didn't know why. I immediately spoke to XXXX in the fraud dept. and was told that the charge was put back on my card because I knew the purchaser. I do not know him. He is my travel agent 's business partner and I am familiar with his name. My travel agent spoke to XXXX, and he did not know anything about this charge. He does not have any access to my credit card information. 
I have received nothing in writing from Chase with any final resolution ( that my fraud claim was rejected ), nor have I received in writing any evidence supporting the rejection, other than a phone call asking whether I knew the purchaser. The charge has not been removed. 
I have gone into the Chase branch on XXXX XXXX. in XXXX, XXXX. I spoke to a branch rep, who referred me to XXXX, head of the fraud dept. in XXXX. I submitted a letter written and signed by my travel agent, XXXX. This letter was submitted electronically to XXXX on XX/XX/2019. I spoke to XXXX on XX/XX/2019. XXXX told me that the purchase was credible, and there would be no refund to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained my credit report & learned my XXXX credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted XXXX  to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. XXXX is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If XXXX can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because XXXX 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, 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 2019-05-13 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:
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: Mar Joe Enterprises
State: AL

Complaint narrative:
i have breach alerts & i have filed a idenity thieft report in XXXX county alalbama police departmart! i have looked on my credit alerts this early morning and i see so much stuff that is no way connected to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I applied for an online loan on XX/XX/2019 with Americash online payday installment loans.

I also have another pay day installment loan out with XXXX in XXXX XXXX, IL my first payment with Americash was for over XXXX beg on XX/XX/XXXX and the remaining payments were XXXX each bi weekly with the last payment ending in XX/XX/2019 Combined payment from Americash and XXXX are taking me over the IL allowed 22.5 % of gross income set by IL consumer laws. 

I reached out for a repayment and was given a new repayment amount of XXXX for a combined amount of XXXX each bi-weekly, I also have to pay XXXX bi-weekly to XXXX XXXX. 

I am requesting Help for a deceptive practice in violating my consumer rights in having a fair interest rate and repayment schedule not to exceed 22.5 % of my income. 

Americash was aware of my 2nd loan due to XXXX XXXX as they share a network loan database, and they should not have based on IL law granted a loan to a distressed borrower if they are not financially able to make the payments. 
the demand repayment agreement is in violation of IL lending laws I can no longer afford my mortgage or utility bills Americash called my place of employment on XX/XX/2019 I emailed them revoking the wage assignment which is allowed in Illinois Please help me as I am swamped in Payday installment loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I have taken a loan out with PLS located on XXXX XXXX in XXXX   XXXX XXXX Corporate office in XXXX, IL My Loan payments are XXXX bi-weekly I can no longer afford my mortgage. 

I want the to acknowledge my revocation of the wage assignment i signed with them I have another loan out with XXXX Both loans are taking me over the 22.5 % of my gross income

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Peoples Bank continues to report incorrect balance and late status. 
They have not effectively addressed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is with Equifax. Equifax allowed my financial data to be unlawfully disclosed when they sustained a massive breach, or hack, a couple of years ago. Equifax confirmed my personally identifiable information was made public as a result of this breach and enrolled me in it's Trusted ID credit protection service. In late XXXX I was told I was being assigned to XXXX 's IDNotify credit protection service for a period of one year unless I chose not enroll, in which  event I would have no further credit protection services from Equifax. I was forced to enroll with XXXX prior to XXXX XXXX, XXXX, which I did. However, now that I've enrolled with XXXX, Equifax apparently closed my access to it's reporting system and refuses to reestablish access so I can verify information they are reporting to others currently including my Credit Union. I've gone to considerable lengths and expense to protect my information by obtaining new credit cards and numbers and new banking arrangements, to include new accounts, login credentials, automated payment arrangements etc. I have a very high credit score which has recently been lowered significantly by Equifax as reported to me by my credit union. When I paid off a recent loan early my score went down again. I need access to my Equifax account to monitor actions that make no sense. I'm concerned they are still reporting an outstanding loan that has been repaid in full. They've already acted negligently and were not timely with their disclosure of the breach when it occurred more than 2 years ago. I'm forced to keep my credit files constantly frozen, through no fault of my own. And now they refuse to allow me access? This is not right. I'm doing their job for them. I'm a retired veteran, and deserve better. I need immediate access to my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: CT

Complaint narrative:
XXXX XXXX continues to report incorrect balance and late status. 
They have not effectively addressed the problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On two previous dates I have disputed the verbiage of a checking account closing at XXXX XXXX XXXX XXXX. My account was closed in the Summer of 2017 and stated as fraudulent transactions, yet I have maintained that I am the true victim twice over with lost of product/service and lost of funds/fees. Despite explaining this to banking and consumer reporting officials the statementof fraud remains. I have since reported in full and began a formal criminal investigation into the individual who defrauded me and caused a personal financial stalemate in my life. With the new official information I am hoping that the parties involve will lift the current restrictions and verbiage as I am not indebted to the aforementioned or any institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX , TX XXXX Good morning, My husband and I are reaching out to you, in the hopes that you will assist us with our dealings with mr. Cooper. 

Currently, mr. Cooper is making NO effort whatsoever to engage us in meaningful and substantial dialogue, which will lead to resolving our foreclosure situation. 

To begin - our loan was transferred to mr. Cooper, from Seterus Loan Servicing, in XX/XX/XXXX. At the time our loan was transferred, we were in default, however, Seterus had modified it, 2 years prior - to roughly 150 % loan to value. This is an important piece of information, as I'll explain in a moment. 

We initially hired an attorney to assist us with our negotiations - XXXX XXXX XXXX. Mr. XXXX did little more than cash our checks, in his efforts to resolve this situation for us, so after disengaging with him, we retained a company who claimed they performed loan modifications - XXXX XXXX XXXX. This company did almost as much work as attorney XXXX.. NONE. 

Since disengaging with XXXX at the end of XX/XX/XXXX, we have been repeatedly told by mr. Cooper that our file/account is STILL labeled as In Default Litigation and that they're unable to discuss our account with us. 

This, in spite of the fact that we sent our confirmation letter of disengagement with XXXX, as well as a complete explanation of our relationship with mr. XXXX - along with a request to correct the current account status, as we're looking at a Summary Judgment hearing on XX/XX/XXXX. 

This process has been incredibly frustrating and, we we're told buy mr. Cooper before hiring XXXX, that no modification could be done - due to the fact that the loan was beyond the legal guidelines to modify. I'm referencing the 150 % loan-to-value modification that was done by Seterus. 

It's clear that mr. Cooper acquired this loan, knowing full well of what their intentions would be, with a very nefarious intent - either Force us to come to the table with cash ( which they've done. Demanding {$38000.00} ) or, take our home by way of sale, cash in the insurance on the loan and then sell our property for pure profit. 

Mr. Cooper has been accused and convicted of this type of activity thousands of times. We need your assistance to call them to the table and demand that they resolve this issue. 

Thank you in advance for your help with this!!

Company response to consumer: Closed with explanation