vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: NV

Complaint narrative:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

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 2018-10-08 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: MA

Complaint narrative:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my report.

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 2018-10-08 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: LEXISNEXIS
State: AL

Complaint narrative:
I have disputed a error of bankruptcy being reported on all three credit reports several times. Lexis Nexis is a third party reporting agency whose giving false information. I NOTIFIED THE BANKRUPTCY COURTS they sent a letter saying the do not report information to the credit bureau. I in returned sent the letter to all three credit bureaus the refused to remove it. I never received another reference number showing a investigation was being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.

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 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I reached out to Phoenix Financial Services LLC, about medical charges added to my credit report. As I was trying to get accurate information about myself, they have, they failed to identify me. The company was supposed to send me a letter validating the debt I supposedly owed. The company failed to do that, and we were not able to reach a decision. Based on my information, this debt is not valid, nor does it belong to me. Under the fair credit act, they are supposed to identify me and prove that this belongs to me. They failed to act in such a way, this debt was supposed to be removed from Phoenix Financial Services last year. I reached out many of times, this is why I had to resort to filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have a Chase/XXXX credit card, and the last statement shows 19 charges I did not make to the card totaling : {$390.00}. 
Their customer service dept. tells me that I do owe this and will not explain to me why these charges are on this card, and also that they will sue me for this amount if I do not pay it. 
Can you please, help me resolve this problem. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) XXXX, AL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: CA

Complaint narrative:
Date ; XX/XX/2018 EQUIFAX I called to find out about credit report I was told that I needed to fax documents that show and state my identity I did this on the date above I called the same day to check to see if it was received I was told by a female CSR it would take 48 hrs for my information to be put into their system I told the CSR that I would call back on Monday XX/XX/XXXX so that it gives them sufficient time I called back today Monday XX/XX/XXXX I spoke to 2 CSR 's before I had to request a SUPERVISOR I was told by all of them that I have NO CREDIT I am not in their system yet I applied for a HOME LOAN and my LOAN PROCESSOR can not get my CREDIT SCORE which is odd because 2 other credit report companies had my information for my LOAN PROCESSOR to obtain I was even told that my documents were not received I tried making an account via the CREDIT REPORT COMPANY WEBSITE It booted me to another CREDIT COMPANY in which it had me fill out my information and I was able to print my CREDIT INFORMATION I called back the CREDIT REPORT COMPANY and I explained what happened and that I wanted to START A DISPUTE I was told that I couldn't because I was not in their system which I have repeatedly told them that was odd if I have 2 CREDIT REPORTS FROM 2 different CREDIT REPORT COMPANIES The CSR 's kept asking me if I have CREDIT and I kept telling them YES ' This has caused a lot of unnecessary stress This is effecting not just me but my family This CREDIT REPORT COMPANY Is very unprofessional and everytime I tried to explain something to them they talked over me All I want is this to be fixed I was also told to call my CREDITORS and tell them to forward my CREDIT STANCE to them which is odd because all CREDITORS SEND INFORMATION to CREDIT REPORT COMPANY 'S my CREDIT should be in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from Citi Banks executive office stating they do not have any record of debt owed by me to their company. The last letter received from Citi Bank was XX/XX/18 which is 1 of 3. On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.

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 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
About 11 years ago I opened a checking account with Wells Fargo. The product was to be free of monthly charges if I opened and sent XXXX $ a month to a savings account. 


I did this and have sent XXXX $ per month to the savings account without a miss. 


Several times over the past years Wells has tried to add XXXX $ a month fees to my account. I have after spending a great deal of time and energy managed to get these fees recredited. 

In XXXX and XX/XX/2018 they tried it again and deducted a XXXX $ " XXXX by Wells Fargo '' monthly service fee. I have never of " XXXX by Wells Fargo '' nor have I ever asked for it. 

I called Wells Fargo to try to deal with this latest attempt to pick my pocket. I was on the phone for at least 30 minutes, transferred to three different people. No one could deal with the problem. I was eventually transferred to someone named XXXX and after explaining my issue was disconnected by Wells Fargo without any resolution. 


They had my phone number, at least I had given it to at least 3 different people and never attempted to call me back.

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 monetary relief
Consumer complaint received 2018-10-08 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: DISCOVER BANK
State: NC

Complaint narrative:
I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 1 STOP MONEY CENTERS, LLC
State: AZ

Complaint narrative:
Afternoon, In XX/XX/XXXX I had o resign my agreement over to an installment loan of 24 months. The previous loan was interest only. So they paid off the previous loan and rolled over the balance to the new balance and started a new contract. The balance would be {$1000.00}. XXXX month installment loans at {$150.00} was going to be the payments with roughly around $ XXXX {$20.00} applied to principal. the remaining {$130.00} would be interest. In total the payments would have been {$3600.00} once the {$1000.00} was paid off. The total amount of payments I made ( 7 ) {$1000.00} ended on XX/XX/XXXX. I could no longer afford the 179 % interest rate. I had started a family and I was paying for childcare now. I asked the representative at the time named XXXX was there anything I could do to settle and was told no. I just recently got a judgment being sued for over {$3900.00}. I have 20 days to respond and I have nothing I could pay with the 7 total payments I have made that was over {$800.00} in interest. I need some help as to what I can do. I have a family and can not afford to be paying such a high dollar amount if sued. Can you let me know what my options are? 1 stop money centers LLC ( XXXX XXXX XXXX is the company and contact information. This was a registration loan they said. Since payday loans were outlawed

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 monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My refinanced mortgage loan is a non-escrowed account, per the loan documents. 

Freedom Mortgage began escrowing the account for property taxes in XXXX 2017, because it claimed that I had unpaid taxes. I had no unpaid taxes. My taxes were paid on time and I sent the proof to Freedom Mortgage. 

Over the past 12 months, I have attempted to delete the escrow account and revert the account back to have borrower paid property tax. Freedom Mortgage has refused to honor my request. 

Freedom Mortgage has also underpaid the property taxes, which caused fees and interest to accrue and the home to go into tax title. Then, Freedom Mortgage added the fees and interest to the escrow 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 2018-10-08 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: SC

Complaint narrative:
On XX/XX/XXXX I phone and received written confirmation that my loans were deferred and not due until XX/XX/XXXX. Shortly thereafter, I received an email that states the same : " Your payments will resume on XX/XX/XXXX. '' On XX/XX/XXXX I received another reminder email stating that the date was now on XX/XX/XXXX. On XX/XX/XXXX, XXXX and XXXX  were notified that my account was no longer deferred which negatively impacts my credit report. 

I called and the agents and supervisors argue with me and state that they are not obligated to provide anything to me in writing. I need this issue addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MA

Complaint narrative:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: MA

Complaint narrative:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my report.

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 2018-10-08 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: Total Card, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Total Card Account # : XXXX XXXX XXXX XXXX In reviewing my payments and credit report , I discovered Total Card , Inc. ( XXXX XXXX that is now XXXX XXXX XXXX ) is incorrectly showing reports of late payments in the following months : XXXX AND XX/XX/XXXX. 

Back in XXXX, I switched over and applied for automatic payments with their system at the time ( vs my bank ), but they had NOT taken effect unknowingly due to some system upgrade or glitch they had with taking automatic payments on a long-term recurring basis. They admitted to this fact at the time. I had since corrected this with XXXX XXXX at the time, got refunded fees, and have since paid automatic payments through my bank on time. However, this information is still incorrectly reporting on my credit report. 

Ive spoken with the bank about this in the past on a plethora of cases. I've written, called, faxed, and disputed with EACH credit reporting agency several times over the past few years but to no avail. 

In my last attempt, XX/XX/XXXX, I was misled in believing another " review '' was going to be done. I then received a letter that claimed they reviewed the very same day, but they provided no details into what was checked or what research was done. The letter was dated the same day as my follow-up call. 

Based on my last conversations with Total Card, they confirmed that they are NOT doing a real investigation. They are only looking at what the system says ( which is wrong ), and simply passing that along as their " review '' to the credit bureaus. They are NOT interested in reviewing the accuracy of their own system or happenings ta the time of my dispute. 

As a very last straw for me, per my conversation on XX/XX/XXXX, their supervisor ( " XXXX '', Badge ID XXXX ), stated they looked at my statements from XXXX and then just submits that as a review. In the same breath, when I ask him for my own statements to counter their review, he states they can not guarantee to provide this information and even attempts to tell me that if they do, it will cost me {$3.00} per statement to provide. He is telling I will have to pay for statements, that they MAY or MAY NOT provide, that is also INCORRECT, yet was claimed this is the very information they used for their " review ''. 

I have tried to diligently work with the credit servicer, but I now strongly believe they are not taking my issue seriously, and giving me the runaround. These incorrect strikes on my credit report are hindering me from getting the financing/rates I should. This is brought up every time I apply for financing or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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.
State: CA

Complaint narrative:
On XX/XX/18 submitted request to have item reviewed on my credit report. On XX/XX/18 Equifax notifies me that my request had been received. On XX/XX/18 Equifax notifies me there research was completed. All notifications via email. After various attempts to sign on the the online follow up form the online tool was unable to show me the results from Equifax regarding my request. On XX/XX/18 I contacted Equifax via the phone XXXX XXXX XXXX spoke to a representative that provided me no information regarding my request and showed no urgency to assist me. All previous contact events were made via email prior to my phone call.

Company response to consumer: Closed with non-monetary relief