vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC
State: NJ

Complaint narrative:
I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I leased a new car from XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TXXXXX.  Phone # XXXX. The lease was started on XXXX XXXX. The lease is for 36 months. All payments have been made on time. At this time 20 payments o {$1500.00} have been made. There are 16 payments remaining. XXXX  XXXX  reports to the three Credit Bureaus a balance of {$69000.00}. This is incorrect multiply 16 X {$1500.00} and the balance should be reported as {$25000.00}. XXXX XXXX continues to fraudulently report the wrong amount in order to make their books look better. My account # is XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under XXXX XXXX XXXX, even though each time companies report it, they can not verify the information. I will be including XXXX XXXX XXXX in this complaint and a separate one for a debt collection violation.

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.

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 2019-11-20 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: NV

Complaint narrative:
Hello I got an alert on my monitor system that an account is closed. 
when looked deeper their was another account opened with same company which I had a card for and they automatically opened and closed account. upon further investigation it should account Opened XX/XX/2011 ( 8 yrs, 0 mos ), But I had not connection with bank at that.. and also show that I made payment on time,, and closed the account. 

Bank - SYNCB/PPC ( Synchrony Financial )

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 2019-11-20 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: NY

Complaint narrative:
This account does not belong to me

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I have a Victoria Secret credit card. I do not use it often ; however I used it in XXXX and paid it in full in XXXX. I made my payment online on the due date and I guess the payment posted on Eastern Time and therefore they considered it late and charged me a late fee. I called and talked to a rep either late XXXX or XXXX and she said she would take care of it ; however she never did and now I got another late fee. I called and spoke with a cust. service rep on XX/XX/19 and spoke to a supervisor who both would only waive one because " that's our policy ''. I explained that they really need to 'listen ' to my situation and not base every single customer situation on an in-house policy. If the rep would have taken care of the first one, I wouldn't have had the 2nd one! Anyways, I have asked to speak to upper management with Comentiy Bank and am told there isn't anybody else I can talk to. This is bogus and I would like it reversed. Based on all of the other stories I see on the XXXX, sounds like it's certainly their way of business. Very shady and crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I put in a complaint previously ( # XXXX ) about Mr. Cooper refusing to release to me monies I needed to cover a personal check I wrote to the public adjuster for their portion of the insurance claim check. They responded that they would release our money when we submitted certain paperwork to them. We submitted the paperwork but they are still refusing to release ANY money to me, not just what I need to cover the personal check. Part of the paperwork we needed to send over was a contractor contract which we signed and are now bound to but we can not pay the contractor without the insurance proceeds. So first they make us enter into a contract as a basis for release of the funds and send them over the contract but now that we have they still will not release any of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened a short sale prior to the 37 week regulation submitted all the short sale documents to lender. Lender placed file on decline at the end of our collection of docs while review of the offer to decline per the months in default. XXXX   have the file to approve at XXXX public auction. Our buyer has been on at XXXX cash from XXXX XXXX. FHA opened ticket and Wells declined them as well. IRS has a lien that the application to discharge is pending Wells approval.

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 2019-11-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

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 2019-11-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now XXXX ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

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 2019-11-20 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:
This account does not belong to me

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 2019-11-20 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:
This account does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I went into Chase bank to deposit insurance check from XXXX in value of {$35000.00} dollars. XXXX XXXX from the local branch and XXXX XXXX XXXX Chase Claim Dept. ) both said I will have funds available to use the same day. XXXX endorsed the check and deposited it into my account. I then wrote my contractor a check for payment of the work completed in my rebuild from the flood my house took. On 2019XXXX I received email alert from Chase my account was overdrawn. The {$35000.00} funds were removed from my account and went into negative balance. I went to the Chase branch and spoke with XXXX. He said it is an XXXX issue. My spouse and I went to our local branch for XXXX and worked with XXXX XXXX. She called XXXX flood department and they said the system shows the check cleared and there are no notes of the check being rejected or returned. We went back to Chase and worked with XXXX. XXXX looked again and noticed there is a problem between Chase and XXXX corporate accounts. XXXX could not tell us the problem because the accounts are not ours. XXXX did say the problem is not the check or the Flood claim with Chase, it is an issue between the accounts. Chase and XXXX have taken my money and will not give it back. They instead bounce the blame between themselves. When either company calls someone, they can not talk to the person needed every single time. My account is now negative because of the retraction of the money. Neither company can nor will give me a straight answer. This makes my second complaint to the CFPB about Chase regarding insurance checks from my flood being deposited. My first case was number XXXX. I am frustrated and feel I have been a victim of fraud along with failure of both honoring a good faith issued check for my repairs that was verified funds were available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-20 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My complaint is against Wells Fargo Dealer Services account # XXXX. I used to have my payments in auto payments until XXXX 2019. When I was in the process of making the change of payment methods the mentioned company marked me as late in my credit reports for XX/XX/2019. They never called me or warn me that they were going to proceed to report the late to credit bureaus, a clear violation of the Fair Credit Reporting Act. Im aware that years back in XXXX I incurred in to late payments and I take responsibility for those late payments. Since then I have been working very hard in my credit so this type of scenarios dont ever happen to me again. Im not requesting no remove all the late payments of the account only this last late from XXXX 2019 because this was not my fault this time it was Wells Fargo error. This is negligence, unfair business practice and unreasonable with a costumer that has been loyal to Wells Fargo from years back. Im requesting through Consumer Financial Protection Bureau a deletion letter stating that the late payment from XXXX 2019 is going to be corrected in all 3 credit bureaus. I have tried every way possible way disputing this issue with Wells Fargo and always kept running through a wall. Im telling you, this was not my mistake therefore correct this. Im not going to stop until I get justice and if that means that have to hire an attorney and take this case to court believe me, I will. So please Wells Fargo make a real investigation on this matter and lets try to resolve this the best way possible. I even authorize Wells Fargo to check my reports and there they will see that is what not a money factor or less that I did not wanted to pay you. 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 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The Company, Hyundai Motor Finance states in my complaint that the company has closed the account, supposedly paid as agreed. Which is true. I never missed a payment or was late. In fact I paid off a 72 month loan ( which I took for a dealer low interest rate of 1.9 % ) in about two years. Apparently this angered them. So while they kept accurate records of my on-time payments, which of course they had to do, they punished me by listing my total balance owed for about two years by never reducing it, if fact the they kept my amount due at {$11000.00} and never reduced it when payments were made. 
Of course this damaged my credit rating and an examination of my account ( if they would show you ) would show that as a 20 Year XXXX Vet, I am not lying. To this day, years later, a look at my Hyundai records will show you exactly what they did. 
Now I'm not looking to make money off what I consider is just pure incompetence, but if they won't adjust my balance due, which is still harming me financially, I will bring suit. 
They refuse to say anything except the case is closed. But it's not closed and they know it. They are just to vindictive or incompetent or lazy to fix my payment balance. 
XXXX XXXX XXXX XXXX-Ret 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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/ 2019, I did an annual credit check and found one debt from JPMCB - Card Services ( Closed ). I then learned it was JP Morgan Chase Bank. I never had a credit card with this company and there are no account numbers for me to identify myself when calling Card Services ; the XXXX the only number listed. I learned that I was denied credit because of this creditor and it sits on my credit report as a negative mark against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief