vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My whole identity has been stolen. Hacked and frauded. Fraudulent mail and email / phone hatched

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my 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 explanation
Consumer complaint received 2018-03-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has failed hundreds of times to proof this account they are reporting on my XXXX  report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my 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 explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my 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 explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had credit insurance which negotiated and paid the original account but a collection company refuses to remove the information from my Credit Report and the original account is very old but it still shows it as open and a only 2 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: NJ

Complaint narrative:
XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.

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 2018-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The complaint is about an interest that TD Bank is charging. On XX/XX/2017, I made a transaction at XXXX store, the amount was {$310.00}. The day I made the transaction, I called the bank and I told them to not let XXXX take the money on my account because the phone I purchased I did not take. So, I called TD Bank many times, they told to wait until XXXX take the money and they are going to start the dispute. When XXXX took the money in my account, I called again to let them that XXXX already took it from my account. As a result, the bank provided me the case number. The bank asked me to send them the receipt of the transaction, I sent it by fax. A few week later, they told that they closed my case. So, I had to solve the issue with XXXX. Since that day, TD bank sent a bill of the interest that I have to pay them, if I do not pay, they are going to give my name and information to a creditor. TD bank did not solve my problem. Last month, I paid the {$310.00} to the bank. Now that XXXX refunded my money, the bank is still send the bill of the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I paid my mortgage in XX/XX/XXXX online. I found out in XX/XX/XXXX that the payment had not been processed when going online to schedule my payment for XX/XX/XXXX. I immediately remade the payment for XX/XX/XXXX. I then made another payment for the month of XX/XX/XXXX. My credit report has been reported late for XX/XX/XXXX even though I scheduled it in XX/XX/XXXX. For some reason Mr. Cooper did not process the payment. I have emailed and called them to resolve the issue as well as notifying the credit reporting agencies but Mr. Cooper has not helped resolve the issue. 

Secondly I have now been forced into loan modification. Apparently although my payment for XX/XX/XXXX was a full payment I have only been credited a modification amount with the rest of my payment being " unapplied funds ''. I did not request a modification at any time. The online system is FORCING me now to make lower payments as a modified payment. I did not request nor want this. My mortgage is current. Therefore I should not be unwillingly forced into a loan modification payment because of Mr. Cooper 's error in not processing my XX/XX/XXXX payment properly. 

I have attached the statement from Mr. Cooper for the payments for the past 12 months. The XX/XX/XXXX payment was scheduled in XX/XX/XXXX BUT was actually processed on XX/XX/XXXX after I remade the payment for the second time after learning the payment that was scheduled to come out in XX/XX/XXXX did not process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with FTC

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 2018-03-04 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: TX

Complaint narrative:
For months now I have been trying to get this Chase account on my XXXX credit report to report correctly. However Chase and/or XXXX keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on XXXX  from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Please also XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and XXXX/Chase are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this Chase account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 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: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit 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 2018-03-04 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: TX

Complaint narrative:
For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.

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 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Capital One ( credit reporting company ) to promptly delete their 3 unauthorized inquiries ( dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that these 3 unauthorized inquiries are still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST***

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group
State: GA

Complaint narrative:
The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: TX

Complaint narrative:
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX  ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.

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 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX XXXX ph : XXXX XXXX XXXX, email : XXXX Date : XX/XX/XXXX To : Consumer Finance Protection Bureau Dear Sir or Madam : Re : Fraudulent Billing by AmeriSave Mortgage Corporation Loan XXXX XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ph : XXXX, fax # XXXX fraudulently overcharged {$830.00} in my Loan # closed on XX/XX/XXXX. Collected a total of {$2400.00} towards Impounds/Escrows, itemized as County Property Tax {$970.00} Home Owners Insurance XXXX MUD Taxes XXXX Total {$2400.00} whereas during transfer of Loan Service to XXXX XXXX transferred {$1800.00}, owing a balance f {$520.00} Offered a Lender Credit ( page 5 of AmeriSave Disclosure Statement dated XX/XX/XXXX ) of {$230.00}, whereas paid {$29.00}, owing balance {$200.00}. 

Multiple attempts made to obtain clarification of these transaction, but AmeriSave Mortgage Corporation refused to respond, but transferred the Mortgage Loan Service to XXXX XXXX XXXX XXXX. In addition, the interest rate offered was based on an erroneous Credit Report. Credit File corrected and I requested XXXX to review for a better interest rate, but they refused to respond. Rushed me to sign a second disclosure and closed the loan. 

I request your intervention to please facilitate payment of the overcharged {$830.00} as soon as possible. 

Thank you 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 2018-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX Auto Finance are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.

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 2018-03-04 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: GA

Complaint narrative:
I have three accounts on my Equifax report that are fraud ( XXXX, XXXX and XXXX ). I have sent my FTC indentity theft report, police report, a letter notifying them of the fraud from the FTC, a copy of section FCRA 605B, a copy of my license and social security card. 

Equifax still has not removed it. I sent this information on XX/XX/XXXX, XXXX and XX/XX/XXXX and have fax receipt. I have also mailed anther copy on XX/XX/XXXX. At this point Equifax is in direct violation of mt rights. Every other CRA has complied but Equifax has not. 

If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. I would prefer the accounts XXXX XXXX, XXXX and XXXX be blocked. However my next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: PA

Complaint narrative:
I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new 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 non-monetary relief