vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: CA

Complaint narrative:
Some body run my credit with out my knowledge here is the date and company XXXX XX/XX/XXXX CHASE AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Some body run my credit with out my knowledge here is the date and company XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.

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 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Hello, Since XX/XX/XXXX, my husband has been paying our home owners insurance directly to our insurance company, XXXX XXXX, yet Roundpoint Mortgage keeps billing me for a monthly escrow for homeowners/hazard insurance. 

I have called them numerous times to ask them to remove this monthly charge from my mortgage payment and they tell me that it is not possible. Last summer, they sent me a refund for the escrow balance of XX/XX/XXXX -- due to unnecessary payments to them for home owners insurance that was already paid. 

I received an end-of-year statement for XX/XX/XXXX that I had a closing balance of {$1600.00} after the appropriate disbursements were made for property taxes. When I called them in XX/XX/XXXX, requesting my refund ( for homeowners insurance payments, that they keep charging me ) I was told that they could not refund the money until they reassessed my escrow account. 

They reassessed the account in XX/XX/XXXX and are still refusing to send my refund. In addition, I am still being charged a monthly home insurance escrow fee -- even though they have received a declaration from our insurance company, twice. 

I would like them to stop charging me escrow fees and then holding that money for over a year, then refusing to refund me when I ask for MY money. I have gone through this process with them numerous times and am exhausted each time because they act as if this is the first time, they don't know what I'm talking about, they just repeat the same info and tell me there's nothing I can do. 

I was keeping track of our email correspondence through their online secured messaging system, but now they have done away with that feature. So, I can no longer track our documented trail of correspondence. I have asked them for ALL emails and phone recordings from XX/XX/XXXX-XX/XX/XXXX and am awaiting their response. 

Please help me resolve this situation. Roundpoint mortgage is stealing my money, or a the very least, holding it hostage so they can gain interest fees. I believe this is a common practice for them as there seems to be numerous complaints of escrow overcharging by them when I searched the web.

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 2018-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with Experian, XXXX, XXXX. 
I have two Hard Inquiries from company : XXXX XXXX XXXX XXXX : XX/XX/2017 Second : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX I called many times, left messages to XXXX XXXX XXXX spoke with different representatives, got the turn around.Gave my personal information again and again. I was told that they would forward the information to their supervisor to revise and report the correct information to Experian. Never received update at all from XXXX XXXX XXXX. 
I contact Experian directly to let them know.That the Hard inquiry needed to be reported correctly and Deleted from my credit report.But is still shows

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 2018-07-27 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: IL

Complaint narrative:
On XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to change my Auto Pay settings so that my bank account would debit more than the minimum payment amount. Navient 's FAQ indicated that to make changes to Auto Pay, I would need to cancel and re-enroll. After unenrolling, my interest rates were increased by 0.25 %. I attempted to re-enroll my bank, but my bank information was erased and I was not allowed to make automatic payments beyond the minimum. I attempted to enroll in Auto Pay again on XX/XX/XXXX, and I was informed it would take about 3 business days to re-enroll. On XX/XX/XXXX, my account still does not have Auto Pay enrolled, so I reached out to Navient by email. In response, they said that they can't make adjustment since it is within 14 days of XX/XX/XXXX ( my payment due date ), which it is not. I attempted to re-enroll on XX/XX/XXXX again. I have not received any correspondence on getting my bank re-enrolled in Auto Pay and in the interim, Navient has increased my interest rate unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I logged in into my Citibank account on XX/XX/2018, in attempt to pay my monthly payment before the due date ends. However, my attempt to pay the monthly payment was prevented due to a server error in the processing. I tried to make the payment again, five minutes later, but was unable to due to the same error. I did not tried a third time, in fear that it might locked my account. I repeated the same thing on XX/XX/XXXX and on XX/XX/XXXX, and the results were still the same ; my payment was prevented due to a server error. The issue was resolved today, XX/XX/XXXX, in which, the error did not occur. Since it was after the due date, I was charged {$35.00} due to having a late payment, which was not my error, but Citibank 's. I have a photo of the error, if you guys need it. Thank you.

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 2018-07-27 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: Riverwalk Financial Corporation
State: MD

Complaint narrative:
XX/XX/18 -- I submitted a complaint regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX College. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My XXXX XXXX GI Bill covered this tuition in full. I do not owe XXXX College or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately. 
XX/XX/18-XXXX XXXX from XXXX XXXX XXXX responded claiming that these debts were not paid for. Attached to XXXX XXXX 's response were my account ledgers showing payments and 0 balances, PROVING MY POINT. I will attached these ledgers to this complaint. 
XX/XX/18-Sent proof of payment letters from the VA to Mr. XXXX at XXXX XXXX XXXX after several phone conversations. He assured me the letters from the VA confirming the payments were being uploaded in the system for the manager to review. 
XX/XX/18-Still no resolution so I am now submitting another complaint which will provide the aforesaid documentation from the VA and XXXX XXXX XXXX showing the tuition was paid for. By the way, I am submitting the ledgers from XXXX as I received them, inaccurate file names and all ( they seem to have confused me with a recently deceased actor, XXXX XXXX. But the document itself has my name correct once you open it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted ally financial about the late payments on my account, each credit bureau is showing different months late the information they are reporting is not accurate and I asked for them to remove it, I have attached the letter I got back from them. 

my credit report XXXX XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX late 1 XXXX  ( husband ) report XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as you can so nothing is consistent on how ally reported to the credit agency 's. 

I just want them removed.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax in unwilling to give me a copy of my report although I have been told there is negative information contained therein and I have not requested a copy in well over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave. 
I recently checked my credit report with Experian, XXXX, XXXX. 

I have One Hard Inquiry from Company : XXXX XXXX XXXX Hard Inquiry date : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCC Finance, LLC
State: MI

Complaint narrative:
I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I am writing to dispute the following information in my file waypoint resource group llc # XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/XXXX to discuss a claim application after I had been the victim of a hit an run by an unknown driver. I then was advised that my insurance was canceled due to non payment of my account. I was shocked because I had enrolled on the automatic payment program as they advised and have been ever since my policy commenced. I have spoken with one of the insurance company 's ' representative who informed me that they have tried to take the payment but could not because the funds were not available. I immediately contacted my bank XXXX XXXX XXXX XXXX who states that XXXX XXXX XXXX only taken one payment of {$140.00} on XX/XX/XXXX. In fact XXXX XXXX XXXX had not taken any payment from my account since the first payment scheduled XX/XX/XXXX and instead reported to the bureaus that I was in default of {$70.00}. My bank provided me with a detailed print out of my statement of account for my checking and savings account which are both linked and have been in credit of over {$7000.00} for since XX/XX/XXXX continuously until present. We, both my banker and I are perplexed as to how this company can give the explanation that the funds were not available in my account for withdrawal. I have attached a print out who will also attest that there has been no attempt by XXXX XXXX XXXX to draw from my checking account as listed on my agreement XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed several false credit inquiries to Transunion. I also called the companies to remove the false information. Transunion continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.

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 2018-07-27 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: MI

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.

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 2018-07-27 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: LA

Complaint narrative:
On XX/XX/2018 I contacted XXXX about reporting incorrect information to the credit bureau and they was not helpful at all. On XX/XX/2018 I contacted Equifax to file a dispute with XXXX Credit Card and XXXX Loan the lady I was speaking to at Equifax was telling me that I can not dispute information about these accounts because they where not showing inccarute information so I kept trying to explain to her that I have every right to dispute anything on my credit report that is not correct and it's damaging my credit I told her that I have contacted XXXX  on XX/XX/2018 and was told to file a dispute with the credit bureau, so that's what I'm trying to do Equifax would not file my dispute with XXXX Credit Card and XXXX Loan I was on the phone with Equifax for 2 hour 's straight to file a dispute this is so stressful trying to file a dispute with both companies I refuse to let XXXX report incorrect damaging information to the credit bureau those account have been closed on the XX/XX/2018 neither one of my accounts was in collection and I told Equifax and she refused to file my dispute after 2 hours I told her that I'm gon na contact CFPB because I feel like my rights are been violated by both companies XXXX and Equifax I also told Equifax that XXXX did not notify me of any changes to my credit report or updates about the dispute when I contacted them in XX/XX/2018 I have proof that the information they or reporting is wrong I was never in collection with neither account I thought I could fixed this by contacting the creditor and I was wrong they didn't fix it after all XXXX LIED and now Equifax giving me XXXX just to file a dispute to correct information XXXX  reporting incorrect and I never received anything from XXXX stating that my accounts are in collection not once the only letter I received was that my checking account was overdrawn and has been closed I also have proof I have paid them off completely not only that I thought XXXX  was helping me build my credit up but now I feel like the lady I spoke to at XXXX was intentionally hurting my credit after she update the information both companies Equifax and XXXX XXXX have violated my rights under the FRCA neither company wanted to file my dispute or fix the wrong information they're reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed several false credit inquiries to XXXX. I also called the companies to remove the false information. XXXX  continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.

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