vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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: NJ

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Experian : XXXX. XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX:XXXX Experian : XXXX   XXXX : XXXX, XXXX  XXXX : XXXX   Experian : XXXX XXXX XXXX : XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX  XXXX  : XXXX , XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX , XXXX XXXX:XXXX Experian : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   XXXX  : XXXX , XXXX XXXX XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were send a closing document to sign that was unbalanced/contained errors. It was sent to us at the end of business day when there was no one available to call to ask questions to. We looked at/acknowledged it. The next day we were notified that there were errors in the closing document/that it was unbalanced and told that we had <1 hour to decide if we wanted to delay closing/risk losing the house or lose out on {$5500.00} worth of seller credit. No one took responsibilty for the error. In fact, we were blamed for the error ( the mortgage representative told us the error was because we rushed them ). I have tried multiple times to address this with bbva. The mortgage lender has not acknowledged or taken responsibilty for the error in the CD that lead to our loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: NJ

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : Transunion. XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX  : XXXX   Transunion : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX  Trans union : XXXX XXXX   XXXX  : XXXX XXXX : XXXX Trans union : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX   XXXX  : XXXX  Transunion : XXXX , XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX , XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX , XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX , XXXX XXXX:XXXX XXXX : XXXX Trans union : 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 2018-10-25 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: NJ

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX. XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX  Equifax:XXXX XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX , XXXX Equifax : XXXX  XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax:XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX/XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-10-25 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 non-monetary relief
Consumer complaint received 2018-10-25 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:
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX HOSPITAL ) 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 2018-10-25 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: FL

Complaint narrative:
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX HOSPITAL ) 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 2018-10-25 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:
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

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 2018-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

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 2018-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had two credit cards accounts with Bank of America, one opened XX/XX/XXXX with a Credit Limit of {$500.00} and the other opened XX/XX/XXXX with a Credit Limit of {$3000.00} both of them are over 10 years old and you guys still report them to my credit. Please stop reporting these two accounts to my credit report, they are too old.

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 2018-10-25 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase mortgage account # XXXX this account is over 8 years old and Chase still report to my credit. Please stop reporting this account to my credit report, account too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: NV

Complaint narrative:
I received a copy of my credit report and I notice two hard inquiries that I don't believed are mine. XXXXXX/XX/2018 and XXXX XXXXXX/XX/2018please remove these two hard inquiries from my credit report.

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 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I have contacted Navy Federal several times regarding the 24 returned check/ach fees. They agreed to credit 11, however I explained the situation, and how I was dealing with XXXX. They also allowed a charge to go through on an account that did  not have overdraft protection. I have asked them to resolve their error, but they keep giving me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX  account is Fraud account XXXX XXXX XXXX  is mine debt

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 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been living here in this house since 23 years. My husband borrowed against this house in XX/XX/XXXX all in his name. The note is on his name and he passed away in XX/XX/XXXX. I have been in touch with the bank ever since he passed away to transfer the note on my name so I can continue making the payments. The bank refused to talk to me since I am not on the loan. I explained them that my late husband and I both jointly own the house. However, they have not acknowledged me on the loan ever since then. I called Ocwen about 20 times in the past one month to save my house and they refused to transfer and therefore the loan modification is not available to me. They are still sending the loan modification offer only to my dead husband. Now they want to foreclose me on XX/XX/XXXX. I NEED TO SAVE MY HOME. I have an XXXX year old mother and a XXXX  old daughter who depend on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX account is Fraud account Ability Recovery Service is mine debt

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 2018-10-25 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

Portfolio recovery account is Fraud account XXXX XXXX XXXX  is mine debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-10-25 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind. 

XXXX XXXX XXXX : Fraud! 
This account was open and used in florida at the time I was living and working in XXXX, Georgia Ability Recovery Service : Not mine! 
This is not mine and it shows up twice on my credit report

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 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NE

Complaint narrative:
My debit card information was stolen and used to make several unauthorized ATM withdrawals ( XX/XX/18 ; four atm withdrawals from an ATM I dont believe Ive ever been to, done in 2 minutes, totaling {$800.00}. This is not an account I make ATM withdrawals from ). I immediately cancelled my card and opened a fraud claim with US Bank. In addition to opening a claim with my bank, I filed a police report with local law enforcement as I was 100 % certain these transactions were not me and my debit card information was stolen. US Bank said they investigated, denied my claim, immediately withdrew my money, and continued having managers call me that could not rectify the situation. After filing my claim I signed affidavits and immediately returned them to US Bank and provided them the requested information for my local police. I was told my claim was reopened on XX/XX/XXXX to prevent my money from being taken, and sure enough, the next day it was gone. Additionally, the letter I received shows my provisional credits would be withdrawn on XX/XX/18 ( almost a month prior ), when in reality they were pulled on XX/XX/XXXX ; no less than 12 hours after a fraud manager told me on the phone they would not be. If my case processor cant even correctly put dates on a denial letter I seriously question their investigative abilities and their ability to review ATM footage. Im convinced US Bank has only reviewed footage from the 4 fraudulent transactions as I am 100 % confident I did not make these withdrawals. Now I am out hundreds of dollars, my bank is treating me like a criminal ( instead of the victim I am ), and Im now having to call my local police to request video tapes from the bank so they can continue their criminal investigation. No appeal process or documentation has been given to me by US Bank other than the generic letter I received with incorrect dates. I requested the documentation from a manager on XX/XX/XXXX but who knows If that request will actually be fulfilled. I no longer have no faith in the bank Ive been with 15+ years 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