vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX Chase bank ended there relationship with me for no reason I didn't do anything wrong i have never did Anything fradulant they didn't inform me ahead of time no account closure letter in mail no letter at all i don't think it's right I'm XXXX so something has got to be done please help me out there was no account closure letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling 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 2018-10-18 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: AZ

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX  multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.

I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.

Attaching Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
On XX/XX/2018 I contacted JJ MARSHALL in an attempt to pay off a debt, not only were the customer service representatives rude due to me missing a previous payment ( due to financial hardship ) but they voiced that I was already being summons so they wouldn't accept my payment. I spoke with XXXX XXXX and she was hard to deal with and even had an attitude when I tried to discuss payment methods, she transferred me to XXXX who I initially set up the payment arrangement with and she pretty much dismissed me due to me missing the first arrangement ( even though I was ready to pay the debt today ). I feel it was unfair of the company to treat me as if I was less of a person in the discussion when I was trying to determine a method to pay, as a debt collection company, I would think that getting their money would be the main focused, she proceeded to tell me that I was already being dealt with by the court so there was pretty much no need in me trying to make the payment that I was trying to provide and to just wait for the summons. JJ Marshall overall is not a debt collection agency that wants people to pay their debt but they're trying to get people to get sued in court instead taking the payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when looking at my credit report because I found a late payment on XX/XX/2016. 
I don't even know how this could have happened because I always make my payments to you upon receiving my statements. The only thing I could think of is that it must have gotten lost in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Back in XX/XX/XXXX I was late on my mortgage payments which is a Making Home Affordable Modified loan as of XX/XX/XXXX. The investor is XXXX XXXX. I received a Notice of Default in XX/XX/XXXX. I was given 90 days to reinstate my loan before a sale date to be assigned. I was able to reinstate my loan on XX/XX/XXXX. 
I contacted the trustee who filed the notice of default XXXX XXXX XXXX the Foreclosure Manager several times during the month of XX/XX/XXXX to make arrangement for the total payment to reinstate my loan. On XX/XX/XXXX Ms. XXXX calculated the attorney fees and foreclosure fees and told me because of XXXX XXXX guidelines there will be no other charges after I pay the total amount to reinstate my loan. On XX/XX/XXXX I paid {$20000.00} which included {$670.00} foreclosure and filing fee to reinstate my loan. On XX/XX/XXXX There was a notice of rescission filed in XXXX XXXX County recorder office. 
SLS has charged me additional below fees with no explanation XX/XX/XXXX {$29.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed XX/XX/XXXX {$24.00} Fee Billed XX/XX/XXXX {$17.00} Fee Billed XX/XX/XXXX {$93.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed I have asked SLS for explanation of these charges and they say is part of foreclosure charges which i paid when I reinstated my loan in XX/XX/XXXX. They are not reversing this charges or show me any proof for these charges.

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 2018-10-18 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: Credit Plus Inc
State: KY

Complaint narrative:
CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. Sometime early XX/XX/XXXX after moving to the USA from XXXX I lost connection to my online Chase accounts. I received letters from Chase concerning strange activities on the account but was unable to identify what these were until Chase sent me a detailed account in XX/XX/XXXX. It was then I noticed the suspicious activity ( deposits and expenses ) on both credit cards. 
2. Before sending the statement Chase had suspended the cards and I subsequently shredded the cards. 
3. I communicated in writing to Chase Credit Card Services about my concerns but they never replied. 
4. I never made the deposits or the expenses I have identified as fraudulent.

5. Having not worked since XX/XX/XXXX, when I resigned from the Federal Government, there is absolutely no way I could have made a deposit in the magnitude that is reflected on those credit card statements. 
6. A study of my purchasing pattern would also reveal that I have never made purchases in the magnitude reflected on those statements. 
7. I have had these cards for several years and I have never had a late payment on them, before this situation developed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX  XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.

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 2018-10-18 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: AZ

Complaint narrative:
The following account listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TX

Complaint narrative:
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS

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 2018-10-18 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: AZ

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX  account XXXX. The following unauthorized inquries should be removed as well 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 XXXX   XX/XX/XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TX

Complaint narrative:
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS

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 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Debt is not mine.

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 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased the bluebird card and loaded a {$190.00} on XX/XX/XXXX. 
I tried to use after I bought it and couldn't, so I went back to XXXX and spoke to a supervisor and store manager and they said it had to be on your end. 
Because my receipt showed it had been scanned upon purchase and loading the {$190.00}, that I had to call Bluebird/American Express. 
Bluebird shows it's an invalid card ( was not scanned appropriately ). 

I have called at least 40 times and I have spoken to 8 or 9 supervisors and also spoke to XXXX in prepaid resolution dept and his supervisor. I was given an email address to forward documents for resolution and would get something in the mail within 5 to 7 days. 
Because the 3 fax numbers that had been given to me, I was continuously told they didn't receive my documents. 
After emailing on XX/XX/XXXX to XXXX I called back 2 hours and verified docs were received and spoke to XXXX supervisor and was told they had to forward documents on to the group that handles my type of complaint with the card. 
I emailed documents on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. 
I asked for an update and to no avail. 

I'm still waiting, no update or communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I started my mortgage with Greentree Mortgage Company, but they sold some of their accounts to Ditech in 2017. Once they sold the account I decided to pay off the remainder, however, ditech was giving us a hard time and would not let us pay it off. We called them every day for 3 months and they finally let me pay it off. Every time I spoke with Ditech I asked if we were going to have any late charges and they always assured us that we would not, but they did put us as 2 delinquent payments. these payments should not be shown as delinquent considering Ditech was refusing to take our payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA FINANCIAL SERVICES XXXX The company is reporting inaccurate information on my credit report. There should be NO LATE payments reporting as I was approved for an Extension on my loan. Please review my file and correct the errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a hecm for verse morgag then i find out that my loan had been given over to XXXX XXXX and they are charging me XXXX a moth to stay in my home this is interest monthly, There is no doubt that this is a sink quick scam1 what if I live to be a health XXXX women at XXXX a month plus my taxes plus care plus medical premiums and insurance how am i going to get through this, I cant and i am sinking right now. i need help with this, they said i can take equity out of my house because my credit score went down do to having to pay home care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank A/C # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.

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