vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY JPMCB AUTO ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY XXXX  XXXX XXXX I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage company, Mr. Cooper, has not made any payments for my XXXX property taxes for my townhome which I presently live in. Since my loan is escrowed for property taxes by Mr. Cooper the taxes should have been paid and my account should not be way past due and delinquent. I had mailed and emailed the property tax statements to the addresses listed on XXXX XXXX website last year and have not received any responses as of yet. 

On XX/XX/2020, I spoke to XXXX XXXX, Home Advisor for Mr. Cooper XXXX XXXX ) and she suggested that I email the property tax statements to her and she would escalate the request and forward them to the tax department. As of today, XX/XX/2020, I still have not heard from anyone from Mr. Cooper that this matter was taken care of, therefore, these taxes are still delinquent. I sent an email to XXXX XXXX and her supervisor XXXX XXXX XXXX XXXX ) on XX/XX/2020 and also left messages on their voice mail to return my call and have not heard from either of them, therefore, I forwarded a copy of their email to the Consumer Affairs email. 

On XX/XX/2020, I called the offices of Mr. Cooper again and spoke to 2 different people because I got transferred around again. One person told me payment should have been paid XX/XX/2020 and transferred me to another person who put me on hold for a half hour and never came back on phone and I got disconnected which made me very upset. I feel like I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
yes hello i need help i was just curious about my credit and got on here and founded out my credit someone reported a fraud on my info iv checked and theres is no miss infomation on my file but y is there a fraud i never made this fraud alert i think someone has full access on my info the number XXXX doesnt even belong to me my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: DC

Complaint narrative:
Hello. 

I have four consolidated loans with FedLoanServicing. They are taking an abnormally long time to do a review of my qualifying payments made for PSLF. It has so far been 81 days since I made an initial request to get an updated qualifying payment count. Here are the details : On XX/XX/2020, I sent FedLoan a request for a change to my Paid Ahead status as well as an updated summary to my qualifying payment count. 

On XX/XX/2020, FedLoan sent me an email stating " A review to confirm the total number of qualifying payments that you made for Public Service Loan Forgiveness ( PSLF ) has been submitted. We'll contact you after we complete our review. '' On XX/XX/2020, I sent FedLoan an inquiry on my previously requested payment count for PSLF qualifying payments. 

On XX/XX/2020, FedLoan sent me an email stating " We are currently still reviewing your number of qualifying payments. Once your request is reviewed, you will be sent notice of the results. '' Today is XX/XX/2020. Today is 81 days since I initially made a request for an updated summary to my PSLF qualifying payment count. 81 days is longer than I believe it should take to recount my qualifying payments. Today I contacted FedLoan once more to request an updated payment count for my PSLF qualifying payments. 

I would like to request CFPB 's assistance in helping me obtain an updated payment count for my PSLF qualifying payments, after a change in my Paid Ahead status, which occurred 81 days ago. 

Thank you CFPB for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello on XX/XX/2020 I used the XXXX Feature within my Wells Fargo bank application to transfer money to a person who I had agreed-upon for purchase of a product. Upon me sending the money to the person I was then blocked and I have not been able to contact them since. I have reached out to Wells Fargo and XXXX and both are unable and unwilling to help me further with investigating or trying to get my money back. I have the persons personal information and text messages and Ive tried to submit a report with the police department in my local office.Any further information you are requiring from me I will be more than happy to provide. Please help

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 2020-04-28 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: MS

Complaint narrative:
Transunion is reporting an account that I have explained was fraud. The account that is listed as XXXX XXXX {$500.00} does not belong to me. This account should be deleted. Please delete this fraud account being reported in my name.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I DO NOT OWE THIS COMPANY. PLEASE REMOVE FROM ALL CREDIT REPORTING BUREAUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: TX

Complaint narrative:
I DO NOT OWE THIS CMPANY. THEY CONTACTED SOMEONE OTHER THAN MYSELF AND DISCUSSED THIS MATTER. PLEASE REMOVE THIS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MD

Complaint narrative:
recently obtain a copy of my credit report and noticed accounts that did not belong to me reporting inaccurate on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NV

Complaint narrative:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX 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 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
This account does not belong to me.. It belongs it is a corporate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2020-04-28 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: NV

Complaint narrative:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account does not belong to me.. It belongs it is a corporate 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 explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account does not belong to me.. It belongs it is a corporate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
This account does not belong to me.. It belongs it is a corporate 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 explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting IC Systems and XXXX XXXX off my XXXX report due to illegal reporting practices.

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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting XXXX XXXX and Fidelity Properties off my XXXX report due to illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 XXXX XXXX and XXXX XXXX attempted to do a transfer of funds transaction through cash app. We attempted to do the transfer of funds three times. All three times they were declined. At this same time while XXXX was trying to pay XXXX the funds, XXXX was trying to request them. Somehow during the transfer of funds being attempted both ways got mixed up and frozen until both of us could no longer complete the transaction. XXXX XXXX attempted to call this number XXXX, which we thought was for cash app support. At the time of making the phone call when we made the call we talk to a foreign guy. He had XXXX to download an app by the name of XXXX XXXX XXXX XXXX on her mobile device. Once XXXX downloaded the app he was able to hack in her phone through cash app. This allowed XXXX XXXX to send the funds from her account to XXXX account. Instead of the agent sending funds from XXXX account, the funds were sent to someone account in California. He had XXXX XXXX to transfer two amounts. {$720.00} and {$820.00} for a total of {$1500.00}. None of these amounts were received in XXXX account. XXXX  cash tag at the time was $ XXXX. Instead of it being transferred to XXXX cash tag, it was transferred to a cash tag in California by the name of $ XXXX. This was never XXXX  cash app cash tag. After the transaction was completed to his satisfaction, the call was disconnected and there was no longer any communication with the agent. The person who received the funds had the above cash tag, the number was fraudulent and was not a working number for cash app support. The individual who made the transfer of funds was not a working individual for cash app support. These transfers were attempted through deceptive behavior and should be taken action against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reported that I was 90 days late on my XX/XX/2020 invoice. I have never been late on any of my invoices and have always paid the minimum balance on all statements. None of my statements show a late payment being issued or a payment had not been paid. XXXX XXXX states I owe {$120.00} for a late fee. Why is the late fee {$120.00}? That is an extremely high fee. Every statement has been paid before the due date every month. I dont understand why Im given the option to submit my evidence when its not taken into account. The proof is on each statement.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have sent this company several letters asking them to substantiate this debt. It is reporting to the credit bureaus and is a misrepresentation of my credit worthiness. I am distressed because it is hurting my ability to obtain credit. The information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

Company response to consumer: Closed with explanation