vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your e-Oscar system, they would have known, that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXXXXXX XXXX 3. XXXX XXXX XXXX : Payment never late-XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today XX/XX/XXXX and on XX/XX/XXXX I saw on my XXXX XXXX XXXX report. On XXXX and XXXX Experian credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On XXXX is 2 inquiries one from XXXX XXXX XXXX and from XXXX XXXX credit card cos. These inquiries was not done by me. Also Experian has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you Experian ... XXXX this TodayXX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. XXXX XXXX {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! SoXX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block 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 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
OnXX/XX/2019 I came to a settlement with capital one for my credit card. The amount requested was {$5500.00} and I settled for {$3900.00}. I was advised via verbal communication and via letter that this account would be settled in full and I have satisfied the claim. The balance was reported to the credit bureau as me still owing {$1600.00}. I contacted capital one around the beginning of XXXX about the balance they are reporting and was advised that this would be updated on XX/XX/19 as settled in full. I received a new report on XX/XX/19 that showed Capital One reporting an increase to the amount. The new balance showed {$1700.00}. The report is still showing I owe a balance. I contacted capital one again and the representative I spoke to was not professional nor willing to understand nor help with the issue. The representative told me that is not how capital one works after I told her that when settling an account the balance should be {$0.00} unless they planned on collecting more, but being that they agreed to a settlement they cant do that. The representative continued to try to tell me what they were doing was not illegal and that was how they do it at capital one. She then tried to tell me my original balance was {$6000.00} and I only settled for {$2500.00}. When I told her I paid almost {$4000.00} she snickered so I snickered back to mock her when trying to explain again. She finally transferred me to a supervisor after threatening to hang up on me. The supervisor understood where I was coming from and submitted a request to another department to reflect my account at a 0 balance. The supervisor advised this department reports to the bureaus. I have submitted several disputes with the credit Bureau all of which they continue to not report this balance correctly. 

The statutory basis for the required update is FCRA 623 ( a ) ( 2 ), which imposes a duty on any furnisher to promptly update prior reporting so as to maintain its current accuracy. 

Once a debt has been paid to the satisfaction of the creditor, regardless of the amount they chose to accept as satisfaction of the debt, there is no more debt due to the OC, and no more debt subject to continued collection by a debt collector. Ergo, each must promptly update their respective reportings to {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: AES/PHEAA
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ( XXXX ) confirmed my XXXX XXXX Student payment in the amount of XXXX  $ and sent me an email stating the payment was successful. XXXX XXXX then mistakenly tried to use a 5 year old ( closed ) checking account to make that payment which did not go through and never sent me an email notifying my of a problem. 

On XX/XX/XXXX XXXX XXXX reported all 14 of my combined XXXX loans tied to my single account as late dropping my credit score 200 points. I have not been reported late in 7 years of payments until now. 

On XXXX I contacted XXXX XXXX  and was granted Retroactive Forbearance for the issue, but not explanation of what caused the issue and no explanation of why I received an email confirming the payment was made but no email notifying me it was rejected later. 

On XX/XX/XXXX XXXX XXXX denied my request to remove the late report on my credit report and gave me no explanation to why or addressed my claims. 

I am requesting help with getting this one issue removed from my credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The company sent me a letter in the mail stating that they would remove the inquiry in 30 days or so, 3 months later there has been to update. They agreed to code the inquiry as a soft inquiry yet it is still reporting as a hard inquiry.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-01 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: LA

Complaint narrative:
I had a credit card account with XXXX XXXX in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of XXXX XXXX reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?

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 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On around XX/XX/2019, I tried to log in on Chase to view my account. The screen prompted that I cant proceed further and to call the 1800 number. I proceed to call the operator relay number and tried to answer questions but I had great difficulty hearing them that well at all. I am hearing impaired 100 % since birth. I was told by them from Fraud Department that they are closing my account and couldnt do any business with them no longer. 

I was livid and very upset because I was about to make transfers from my other bank account to Chase account on semi-regular basis but now I am being blocked from doing so. Today, XX/XX/XXXX I got a letter from them saying that I can no longer use the account. 

I do not recall providing information thar Chase requested. This is absolutely wrong and they know it. I am hearing impaired and talking to them with some of heavy accents really frustrates me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was contacted by chase via text on XX/XX/19 regarding a fraudulent charge. I replied no and then called after Finding someone accessed my account attempting to quick pay themselves 3 transactions for XXXX, {$1900.00} and {$500.00}. All except the XXXX went through. I spoke with someone who rejected the other payments and said Id have to speak with the fraud dept in regards to the XXXX. I called after work and the rep said Id have to close my account over XXXX cents. I told her NOT TO CLOSE MY ACCOUNT. She went and closed my account while I was out dining with my family. I called the bank to complain and spoke with a manager who told me that was their process even though i told them not to close my account. 

I went to the branch the next day to reopen the account. They started a new account. I requested my funds be transferred to my new account. Then got a call that the amount they gave was wrong and I had to come back. My online access wasnt updated so I had to call and spend an hour on the phone getting that straight. Then when i was able to get my online access I found 3 checking accounts and 2 savings account. The old saving account was over drawn. I wasnt able to receive quickpays that were sent to me. All 5 payments that I had set up on auto pay were rejected because they closed my account without my consent. So I am now being charged with returned check fees. Not only that but the XXXX cents they closed for fraud, they did not return that money to me. I called the bank and they couldnt explain why I had 2 additional checking accounts, 1 additional savings, why i could not get quick payments someone sent to me, or why I didnt get the XXXX they closed my account over. Chase has caused me l severe stress and financial distress with my creditors. This is a nightmare and no one seems willing to assist. This is the worst bank experience Ive ever had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 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: FL

Complaint narrative:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today XX/XX/XXXX and on XX/XX/XXXX I saw on my trans union XXXX report. On XXXX and transuion XXXX credit report. They have inquiries that are due to identity theft. Trans union inquiry is XXXX XXXX. On XXXX  is 2 inquiries one from XXXX XXXX XXXX and from XXXX National credit card cos. These inquiries was not done by me. Also XXXX  has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX  ... XXXX this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX.  That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block 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 explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today XXXX XXXX and on XXXX XXXX I saw on my XXXX XXXX Equifax report. On Equifax and XXXX XXXX credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On Equifax is 2 inquiries one from XXXX XXXX XXXX  and from XXXX XXXX XXXX   XXXX XXXX. These inquiries was not done by me. Also XXXX has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX ... .. this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XXXX, XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was looking for a refinance for my existing mortgage on XX/XX/2019.  LoanDepot contacted me and gave me an offer. Then I provided all my basic information to double confirm if I was eligible for the XX/XX/XXXX ARM rate they offered. I was told I was OK. Then they started a credit check and I double checked with them before appraisal whether my credit was fine for this rate and got confirmed. However, after appraisal, they told me my credit history was less than 2 years so they needed to increase my rate. Then they refused to refund my appraisal fee if I didn't agree with the new rate. My credit history was the very basic factor that was clearly shown on my credit report and I already double confirmed with them ; They should know this at the beginning, but they still ordered the appraisal. I suspect it was their strategy to trap customer. Customers should not pay for their unprofessional consequence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief