vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 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: NH

Complaint narrative:
I have been trying to get Equifax to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''. 
I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts dont belong to me. Each company have failed to provide proof, and still reports inaccurate on all 3 credit reports. I would like them removed as soon as possible because I have no knowledge of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I checked my XXXX XXXX about a month ago and saw that i had a $ XXXX XXXX bill that said it was closed. I've never had service with XXXX ever in my life ... i attempted to call them on multiple occasions and they just hang up on me. I also have a police report. The XXXX XXXX police department told me they can't give me a physical copy but a case number and to call for any questions.

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 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.

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 2019-02-23 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: NH

Complaint narrative:
I have been trying to get XXXX  to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''.

I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: AL

Complaint narrative:
I recently paid off a collection on TransUnion in the amount of {$140.00} for XXXX XXXX XXXX. This account was updated as paid in full. As of today, this account was placed back on my credit report as if I owed the money. I have already sent them a receipt of where the account was paid off. This is hindering being able to qualify for my loan for my home.

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 2019-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Security National Automotive Acceptance
State: TX

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A lot of the accounts I saw on my credit report were not opened by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: NY

Complaint narrative:
I received a credit report from Equifax dated XX/XX/2019. The report contained incorrect personal information and two fraudulent accounts. I opened a dispute on XX/XX/XXXX. On XX/XX/XXXX, Equifax confirmed that they had removed all of the incorrect personal information from my report. 

Then, on XX/XX/XXXX, Equifax informed me that one of the fraudulent accounts was no longer on my report and claimed the other ( an account with XXXX XXXX Delaware ) was not fraudulent. This XXXX XXXX Delaware is indeed fraudulent, though. In fact, the two other credit bureausXXXX   and XXXXhave removed this account from my reports at earlier dates. Equifax must do a better job researching and resolving disputes. Their current process is not thorough or helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Security National Automotive Acceptance
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from a debt collector at Security National Automotive Association Corporation to settle a debt. I came to a payment arrangement to pay a certain amount on the XX/XX/XXXX and to set up automatic payments using the same card for the XXXX and XXXX of ever month. I received email confirmation of such. No automatic payments were taken out since then and on XX/XX/XXXX they repossessed my car without notice. I have called and tried to express this error to them and I was referred to my account manager who either wasnt there or wouldnt pick up the phone. I was told that no one could help me with this issue besides my account manager who still has not called me back. I would like to settle this debt as Ive already missed a day of work. This is a stressful situation and Im very tired of waiting on them while my account accrues more and more fees by the day. I dont even know where my car is because I could not talk to anyone about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
On or aboutXX/XX/XXXX I purchased a vehicle from XXXX XXXX. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. I filed Chapter XXXX in XX/XX/XXXX. When I dismissed the Chapter XXXX in XX/XX/XXXX, I contacted XXXX to request the payoff. After more than 15 telephone calls, no one could find the record or tell me the balance I was told it was charged off during the Chapter XXXX. XX/XX/XXXX, my vehicle was repossessed from my home. I was directed to XXXX XXXX XXXX. No one at XXXX speaks English ; it is a call center in XXXX. However, I went through the process, paid off the balance and all associated repo fees in the amount of {$5800.00} ( pay off balance of : {$4800.00} ; repo fee : {$980.00} ; and Redemption fee : {$140.00} ). I was told I would receive the Certificate of Title within 15 days.

I did not receive the certificate of title in 15 days. I then contacted XXXX, who would not talk to me but rather directed me to contact XXXX XXXX  at XXXX. I called and tried to talk to someone about my title despite the language barriers and I was told it was on its way.

XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( I have no idea who this is? ) on XXXX letterhead that indicated : They had contacted the CA DMV to remove their lien interest and I should receive the title within 15-20 business days. In addition they included an unsigned State of California Certificate of title listing XXXX At XXXX XXXX as the legal owner of my vehicle. I took the Certificate of Title to the DMV and was told that the certificate was an unsigned, illegal document. I placed 6 separate calls to XXXX, told them the document was not legal and asked for a legal replacement. Out of frustration, I contacted XXXX and told them I had a fraudulent document. They informed me to make a formal, written request to : XXXX XXXX XXXX XXXX GA XXXX. That request was faxed on XX/XX/XXXX to : XXXX. I still received no response or legal Certificate of Title. On XX/XX/XXXX, I contacted XXXX again. I was asked to email my request to : XXXX. That email was sent on XX/XX/XXXX. To date I have received no response or no legal Certificate of Title.

I get the run around at every turn and this company ( ies ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are conducting fraudulent activities and will not send me my legal Certificate of Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ERC
State: VA

Complaint narrative:
I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Capio Partners, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capio Partners LLC,  XXXX, TX has placed several collections accounts on my credit report on behalf of a company called XXXX. I have been alerted to these incorrect postings each month through my XXXX XXXX  on my XXXX XXXX card. 

In XX/XX/XXXX, There was a past due amount of {$610.00}. I was able to get this removed from my XXXX  Report. I believe there was a second charge, but I can't find the paperwork to give you a past due amount. 

In XX/XX/XXXX, There were two past due amounts, one for {$260.00} and the second for {$200.00}. These charges showed up on my XXXX  & XXXX Report. These two charges were removed from my XXXX and XXXX Reports. I called the XXXX, and there was nothing from Capio on their report, thankfully. 

The lastest, XX/XX/XXXX, there are two past due amounts, one for {$140.00} and second for {$98.00}. I have placed a dispute with XXXX, it is not showing on the XXXX  report, and I need to need still to check my XXXX report on Monday when their offices are open. 

Additionally, an address for XXXX, OH keeps being added to my XXXX  Report. I'm in the process of disputing this as well. I have never lived in XXXX, OH. I have never received services at any XXXX  facility. I have never received a bill from XXXX because I have NEVER been a patient! 

To date, I have placed fraud alerts on all three of the credit bureaus. 

I have tried to contact Capio Partners, but no one ever answers the phone. I have left a message, but have yet to hear back from them. 

I have spent probably 12 hours in the last three months trying to resolve these recurring issues. I value my well deserved high credit score, but clearly, Capio is selecting the wrong person and placing negative information on my credit report. I want someone at Capio to look for the  correct individual and leave my record alone. 

Thank you for any assistance this bureau can provide to put an end to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
My student loans are paid through XXXX XXXX XXXX. As a XXXX employee ( XXXX XXXX XXXX ), I tracking each of my payments in order per the terms of the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, I submitted my annual PSLF employment certification. XXXX XXXX XXXX sent back acknowledgment of my federal employment status, along with a list of qualifying payments submitted since the beginning of my repayment plan. I noticed several discrepancies including, but not limited to, missing payments for entire months and missing payments for parts of the loans that are consolidated within the entirety of the loan package. I emailed XXXX XXXX XXXX in XX/XX/XXXX to notify them of the inaccuracies and request an updated list of qualifying payments. I did not receive any responses despite subsequent, monthly email and phone follow-ups. In XX/XX/XXXX I called and was told that my request had just begun processing. In XX/XX/XXXX I called again and was told that XXXX XXXX XXXX required more time. In XX/XX/XXXX I emailed again and did not receive any response at all. In XXXX and XX/XX/XXXX, I was told on the phone to continue to be patient. In XX/XX/XXXX, the representative I spoke with on the phone told me there was a backlog and to wait for an update via email - the representative said the longest outstanding request was from XX/XX/XXXX, so my XX/XX/XXXX request needed to wait longer. In XX/XX/XXXX, I emailed again and AGAIN received NO RESPONSE. In XX/XX/XXXX, I emailed and nearly two weeks later, I received a response stating that these reviews " take a great deal of time. '' It has nearly been a year of my patient requests for updates. This is absurd and the worst customer service I have ever experienced. I have gone through my records and can provide accounting of each payment processed with XXXX XXXX XXXX going back nearly 7 years. I have the bank records showing each payment and can provide these if needed. I am completely baffled and appalled as to why it has taken nearly a year to receive a response from this loan holder to a simple request for an updated review of my account. I am tired of dealing with the inconsiderate, and incredibly, sometimes non-responsiveness of this organization. How can I trust an organization to handle the processing of my student loan payments and, hopeful, future student loan forgiveness if they can not process a simple request?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My son XXXX XXXX lease a car with Honda as his father I co sign to help him the car lease is over they have the car Honda never notify me that he still owe excess mileages Honda work out a deal with my son to pay the excess miles without letting me know about the arrangements as far as I know they never even contact me this is between my son and Honda also they did not contact him either as he waited for there arrangement. He has a new lease with Honda which I believe they should have roll the excess mileages in the price. I should not be involved with any new deals that Honda or my kid did. My credit is in jeopardy please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, We received a check from someone who we thought wanted to stay in our rental unit. That individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent. They asked us to refund a portion of the check to their travel agent. 

We waited until Chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via Chase XXXX ( XXXX ). The individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit. We then refunded them an additional portion of the check via Chase XXXX as Chase had shown the funds were available and I never received a message from Chase that there was a bounced check. 

Unfortunately, I now come to discover that the check had bounced. I am shocked, disappointed, and angry that Chase did not immediately notify me that the check had bounced. As someone who has never bounced a check, this should have been setting off alarms at Chase and they should have contacted me via phone, email, text, or anything to notify me. I did not even receive an internal message when I log in that the check had bounced. 

I called Chase 's fraud & claims department and they were not willing to assist me at all. I spoke with XXXX and he was not helpful or sympathetic to my matter. In total, we were defrauded out of {$3000.00} between 3 payments via Chase XXXX. Chase 's current policies and customer service will continue to help criminals while hurting and angering their loyal customers. Chase should have immediately warned me that the check had bounced and I would have been able to help prevent additional fraudulent activity. Chase also should not have shown the check 's funds as available only to have it bounce later on. 

{$3000.00} is not a material amount of money to Chase, but to my wife and I, who are loyal Chase customers, it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my free annual credit reports from XXXX, XXXX and TranUnion in XXXX as usual and have not received 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 2019-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
XX/XX/2019 Tried to dispute an account with Equifax that is closed and too old to be on my credit report The closed account is with XXXX XXXX XXXX. 

The process to dispute an account with Equifax is quite complicated, for me. 

Type Auto Responsibility Individual Remarks Charged off account.

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested my free annual credit reports from XXXX, Equifax and XXXX in XXXX as usual and have not received them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested my free annual credit reports from Experian, XXXX and XXXX in XXXX as usual and have not received 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 non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.

Company response to consumer: Closed with explanation