vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/XXXX I have made a complaint to the Executive office of Chase Bank phone number XXXX. They in turn sent me documentation to fill out for a loan modification. I received the paper work on XX/XX/XXXX and I have filled out the necessary information and have faxed the documents to Chase Bank but in the meantime I received a letter on my front door on XX/XX/XXXX that the house is going for Sherriff Sale on the XX/XX/XXXX. I am in the process of a modification so how could they put my house up for Sherriff Sale. Chase Bank needs to Stop the Sherriff Sale as I was not even entitled to attend the mediation as Chase advised that the house was vacant since XXXX. I have lived in this house since XXXX. Chase is a very hard bank to work with. They assigned me a Relationship Manager by the name of XXXX XXXX who can be reached a XXXX, who number one I can not understand and is not very helpful at all. I requested another relationship manager and I was denied. I'm not understanding as to why I received paperwork for a modification and a Sherriff Sale Date. I want to do is keep my home. Circumstances have changed and I will be able to afford the house. I want Chase Bank to Stop the Sherriff sale dated XXXX immediately Court Case # XXXX XXXX Sherriff # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: NY

Complaint narrative:
Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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

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 2018-08-24 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 My leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of GM Financial who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that GM Financial was reporting me 60+ days past due on the lease. I immediately contacted GM Financial and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. GM Financial should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. GM does not seem to be in any rush to follow through on their promises or obligations to their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX without my knowledge and consent removed or deleted my XXXX ( XXXX  ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for XXXX to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. XXXX  has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX  ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.

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 2018-08-24 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: NY

Complaint narrative:
Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX  XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/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 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OK

Complaint narrative:
In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion without my knowledge and consent removed or deleted my XXXX ( XXXX ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for Transunion to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. Transunion has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.

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 2018-08-24 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: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I have disputed this entry on my account with XXXX  bureaus as well as with Accelerated Financial. Accelerated Financial placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent Accelerated Financial ( see attached letter ). Accelerated Financial did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was XXXX able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, Accelerated is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was paying monthly my Citibank Credit Card over the phone. The last time I spoke to someone, around XX/XX/2018, I asked the customer service representative to set up auto-payments on the account so I did not have to call in every month. It was also hard to know what the balance was, the due date, or remember how much needed to be paid, as all of my statements since XXXX have come blank with only the XXXX  XXXX, Customer service number and account number. There is NOTHING on the paper underneath the heading information ... It was my understanding that he processed that request and set it up so my account was on XXXX. 6 Months later, the collection agency is calling my BOYFRIEND, who I did not authorize them to call and have no clue where they even got his number, about my account saying it's in collections. I immediately called the collection agency back and made a large payment of about {$450.00} on the account, and set up weekly payments on the remainder. I called the XXXX account inquiry number today at XXXX & was told they " cant even open '' my account, they wont even attempt to listen to what my questions are, before they transfer me to the recovery department. The recovery department tells me they can't do anything but see the amount i owe and take a payment in full because my accounts closed and that if I need help to call the collection agency. the collection agency tells me I need to speak to Citibank. NO  XXXXNE will help me, give me the information to get help, etc. I specifically asked XXXX of the recovery department XXXX if there were agencies to file complaints regarding credit card fees, and he refused to give me the information and stated he himself would take a complaint but wasn't going to do anything about it. All i am asking for is for the {$250.00} in Late Payment charges on the account to be removed, since these were billed in part due to the error of the CSR at Citibank not setting up auto-pay when i had asked, and I am willing to pay the remaining balance of over {$700.00} in full immediately.

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 2018-08-24 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: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
OnXX/XX/XXXX, I got an alert stating that XXXX has a potentially negative unpaid balance from Synerprise Consulting Service for {$630.00}. Ive never heard of or received any type of communication from Synerprise Consulting Serv. Incidentally, XXXX wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recentXX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at XXXX. Every time I try to get a credit report, XXXX   doesnt know WHO I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/18 - I received a 'replacement ' store credit card from JCPenney . But it was not a replacement card - it was a MasterCard. When I called to ask why I was sent this, they said that I did not respond to an earlier solicitation of the card. 

So since I didn't respond they assumed that I wanted the card? 

All they concluded was that they would make a note that I didn't want the card and that I am to shred 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 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase claims that my agreement was canceled, however notified me of such. Instead continued to cash my monthly payments for almost a year having me believe that the agreement was continued and going forward. If the plan was canceled then why werent the check payments, I authorized for only use with the plan, was still being cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One sold or gave a fraudulent account to XXXX XXXX to collect on a debt that i do not owe a debt that was due to fraud. Capital One sold or gave these accounts to XXXX XXXX for the purpose of harrassing me and my family. 
Capital One intentionally did this for the pupose of harrassment by XXXX XXXX. 
I have reached out to capital One several times all certified mail and verifed phone communications. Capital One has ignored and refuse to do a proper investigation. 
I have asked that they remove the account from XXXX XXXX XXXX and do a proper investigation into these accounts. 
My address is ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) The accounts are listed under a fraud address, ( XXXX XXXX XXXX XXXX XXXX XXXX ) That is not my address. 
Please remove the Fraudulent accounts from my report and contact XXXX XXXX XXXX and remove the account from them. Capital One is the original creditor so they must comply. 
Plaese remove any and all accounts bearing my name or SS #. 

XXXX XXXX XXXX Opened XX/XX/2017 {$1200.00} Original creditor : CAPITAL ONE N A XXXX XXXX XXXX Opened XX/XX/2017 {$1700.00} Original creditor : CAPITAL ONE N A

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid mortgage loan # XXXX in full on XX/XX/18 to Wells Fargo ... they have relayed the correct status to XXXX  and XXXX, but they have continued reporting delinquent on my XXXX  credit report, precluding my ankle to procure a loan for another property I want to buy ... .their errant and illegal reporting is penalizing me, by my losing a total of 2 properties now, as my lenders wont issue me a loan with this incorrect data being reported EACH MONTH..

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 2018-08-24 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: GA

Complaint narrative:
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).  This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I dispute balance of XX/XX/XXXX of {$940.00} from a beginning credit of {$1000.00} by CITIBANK some years ago. When Citibank allowed me this credit called CHECKING PLUS it was not categorized LOAN as seen now in Citibank statements. Thus, my main concern is to not approving unknown fee applied by Citibank as TRANSFER TO COVER OVERDRAFT. While I do not recognize so-called overdrafts, this fee reduces completely every month payment I have made so far but making the credit balance unchanged as shown below. e.g ; A XX/XX/XXXX : Account balance = {$960.00} B. XX/XX/XXXX : Account balance = {$940.00}? 
XX/XX/XXXX - XX/XX/XXXX : Account payments = {$1000.00} In the light of all of above I request arbitration of unchanged balance due to so-called Transfer To Cover Overdraft unknown fee. I can remember that Checking Plus credit of {$1000.00} had no payment limit or was a kind of loan 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 monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that  is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/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