vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately XXXX? <<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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:
FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX  verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/XXXX. This was the second time XXXX reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX  reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX verified the report. It Is impossible to have an account closed in XXXX, with late payments in XXXX of XXXX. This was the second time XXXX  reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX  also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for XXXX XXXX XXXX XXXX XXXX, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my Capital One credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later Capital One reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to Capital One and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/20 an unauthorized charge was made on my Chime XXXX XXXX account. I immediately contacted the customer service team to stop the transaction. The agent informed me that the charge would need to clear before I would be allowed to dispute the fraudulent charge. After the payment cleared I submitted the dispute, it was investigated and then on XX/XX/20, I was informed that the investigation results determined that the transaction was not a billing error, and my money would not be refunded. I requested the paperwork that was used in the investigation that caused them to come to this inaccurate conclusion. According to the credit agreement, they have 10 days to turn over the documents in this case. They have not complied, nor have they followed up with any of my emails since. The charge in question was made from a XXXX for {$94.00}. This is all the information I have and can not find a business with this name. I was not able to get any more information from Chime support. The credit agreement stipulates that if Chime XXXX XXXX does not follow the correct procedures in the dispute process then I would not be responsible for {$50.00} of the charge in question. I have not received any response from them regarding this issue either. I do not know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX  continues to publish this report, with zero effective investigation.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX 2013, my loan was changed from a fixed 30 year with a 2 % interest rate to a variable and a higher interest rate.by JP Morgan Chase Bank. I am providing proof and documentation to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account and address reporting I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ref account number XXXX XXXX XXXX. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late XXXX and XXXX XXXX 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. Equifax continues to publish this report, with zero effective investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-30 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CA

Complaint narrative:
My account was requested to be closed by me and was officially closed and purged on XX/XX/XXXX. I received a refund to a purchase of {$1800.00} that was made before the account was closed and purged. The credit of {$1800.00} was issued by the vendor on XX/XX/XXXX. I have not received {$1800.00} back from the credit card company as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing has failed to answer issues regarding charges and fees shown on monthly mortgage statements. 

My Question on XX/XX/2020 : Why does my monthly statement show PAST UNPAID AMOUNT {$540.00}? Shellpoint Response on XX/XX/XXXX : Your XX/XX/2020 statement should reflect an update. 

As of today XXXX, the XX/XX/2020 statement attached shows PAST UNPAID AMOUNT {$540.00} ( No Update ), and XX/XX/2020 statement shows OVERDUE PAYMENT {$660.00} ( Increased ). Why and What For?? 

Shellpoint Response Statement on XX/XX/2020 : Shellpoint did not receive payment for XX/XX/2020, until XX/XX/2020, implying XX/XX/2020 was never received. 

My Question : Why wasnt the payment received on XX/XX/2020, applied to the account? Proof of payment received by Shellpoint but not properly credited to my loan account. 

Also, the XX/XX/2020 statement shows a XX/XX/2020 Attorney Cost Payment of {$88.00}? There are no arrearages owed on this account for Principal or Interest payments. Shellpoint Representative, XXXX XXXX ( Compliance Department ) stated on XX/XX/2020 letter, their records indicate that the attorney fees have been paid, so the current attorney fee balance is {$0.00} and there are no current arrearages. There are still ongoing discrepancies and improper handling of my loan account that needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rocky Mountain Capital Management
State: FL

Complaint narrative:
I received a letter saying my credit card was sent to Rocky Mountain Capital Management for payment. I was threatened by a XXXX XXXX to be sued and garnisheed but I have SSI which is exempt from garnishment. He calls with threatening messages day and night under private. Garnishment against social security is illegal. 

He says he is suing me without a legal summons and complaint. He never made legal demand in writing for any bill. 


I can not even use my phone anymore and I am an accident victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed an application for a mortgage refinance loan with Chase Mortgage Bank and submitted all the financial information requested. After 60 days, Chase Mortgage Bank changed the terms of the loan and later admitted that they had miscalculated my debt/income ratio and I needed an exception approval. Chase changed the status of the loan as approved but also changed loan terms without proper notification. The Loan Agent never notified me regarding how points on the loan was increased as well as the total amount of loan costs. All without proper disclosure. It was a bait and switch tactic which occurred late in the application process. They repeatedly used their online website to continue to add more " tasks '' and ask for more financial documents. It appeared that Chase began to add deadline dates for more information for me to miss a submittal deadline and thus have a basis for loan denial. I demanded they change the loan terms back to what was originally quoted. My e-mails were ignored. I submitted over 130 separate loan document uploads to Chase as requested. In some cases, the repeat requests were for already submitted info. Chase, indicated the loan was approved and scheduled the loan signing date, but later after waiting over 90 days cancelled the loan approval when they notified me that the loan underwriters could not approve the loan because my income was considered retirement income, and I did not submit certain tax documents ( that were never requested regarding self employment income ). Which they originally said would not be used to qualify for the loan. I have excellent credit with no late mortgage payments in the past 20 years. I clearly feel I was discriminated due to my age and/or XXXX race.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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