vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I attempted to access the online dispute functions on the Equifax website on Monday XX/XX/2018. I was able to access it, but it timed out before I finished my dispute, so I logged back in to try again. This time all three security questions contained lenders/creditors I didn't recognize as they pertained to the questions and I answered none of the above for all of them. Apparently I answered one or more of them wrong because I was locked out of the account. I tried calling equifax today and spent an hour on the phone with them with no success in regaining online access to disputes and my credit report. I was informed several times during this phone call that my name was incorrect and and that I could only get upper level website support if I was a paying customer. Both the customer service representative ans supervisor claimed my name issue was at the fault of the creditors. On my other credit reports I have several versions of my name reported because of the way different creditors report items, but Equifax only had one name and it was incorrect. In 13 years of credit history they have only one name listed for me. It is absolutely impossible and can't be the fault of the creditors when those same creditors report to other agencies properly. I was told I could get a report mailed to me but could not regain access to the online dispute and would have to fax them a letter with my driver 's license and social security card in order to make any disputes and correct my name. I have no idea how these procedures are similar or vary to other credit agencies, but I'm deeply concerned about the name variance and abnormal creditors listed on my security questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account EXETER FIN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that EXETER FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Summary : What I was told was a " re-authorization '' of my existing XXXX credit card was actually a new card. I asked the clerk twice if he ran my credit and was told no - he said he just reauthorized my old card. In fact, he did run my credit and opened a new card for me, which I did not want. 

Details : I have had a XXXX store credit card for over 10 years, but do not use it regularly. I went to XXXX on XX/XX/2018 and tried to make a purchase with my XXXX card ( a relatively small purchase of only {$37.00} ). After I swiped it, the clerk asked if I had used it recently - I said no. He said that if I don't use it every 6 months, it needs to be reauthorized ( that seems like an absurdly short window for a store card ). He asked for my drivers license, and then the credit card pin pad asked me for my Social Security Number and Date of Birth. I asked if he was running my credit and issuing me a new card. He said no, he was just reauthorizing my old card. I accepted the information on the pin pad ( admittedly, I didn't read all the fine print - there was a long line of people waiting behind me to check out ). The clerk then handed me a paper slip and said that the new card would be mailed in 15 days. I asked again if he ran my credit and if this was a new card. Once again, he said no. 

I went home and did some research, including checking my credit monitoring service. In fact, he did run my credit and I was issued a new card. I did not want a new card, and I certainly didn't want to be tricked into applying for one. I was told that he was just reauthorizing my existing account. I called XXXX the next day and lodged a formal complaint, as well as closed my XXXX account.

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 2019-01-02 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX ran a credit report without my permission, in fact, I specifically told them I was " shopping for best rates/terms '' and to " not run my credit '' - I said this by phone and also emailed. The reply acknowledged that my credit would not be run. 
It is now on my credit report with Experian ( not sure if with XXXX  and XXXX- but will be checking ). 
Experian Rep and website said I need to dispute this directly with XXXX. 
I called XXXX and they told me that I need to dispute it with Experian. 
So, I am getting the runaround. 
Additional info is that XXXX was negligent in reporting to Experian that I closed my credit card with them last XX/XX/XXXX. So, this card was still noted as " Open '' on my credit report. 
I was able to dispute this online with Experian, however, also addressed this in my call to XXXX XXXX XXXX XXXX this morning. They confirmed that my credit was closed last XX/XX/XXXX, however, could not confirm that they reported this change to the Credit Bureaus. 
I need help to get this credit inquiry removed from my credit report. As it stands it will be there another year and a half if not dealt with.

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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I applied for a Loan Modification during the financial Meltdown, as I had one of those escalating loans aka " an adjustable rate  mortgage ''. The mortgage company, Washington Mutual, finally agreed to a loan modification in XXXX, 2010, and the Bank 's officers signed off on it. I faithfully paid the " trial period '' payments, x 4, and all were sent and received by the bank via certified funds and mail. The fourth payment was sent, and I received a sheriff sale notice that the bank was taking the property within 30 days. I called the NJ XXXX XXXX County sheriff office and they postponed the sale until the matter was  straightened out. Unfortunately, I have been fighting the banks ever since, and they refuse to acknowledge the loan modification that was granted. They put my payments in a suspense account and proceeded to refuse my monthly checks. I have been submitting paperwork and proof of this claim for 8 years, which has worn me down. I lost my Dad, my daughter, my grandson and my younger sister during this time, and still they called and bothered me through my grief, and I submitted more paperwork each time. Now they have filed for a final foreclosure in the courts, and I have no defense, except for what I believed was my rights as a citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I tried to use my Chase Sapphire Visa card I've had for several years to buy some concert tickets multiple times without success. I spoke with the company at least four times about the problem, but it still didn't work. I spoke with managers and their fraud department. Initially, it seems like they had a charge level set below the purchase cost, but even after I identified the seller name & exact dollar amount, the charge was again declined. This was after I was specifically told by a manager in their fraud department the charge would now go through. They refuse to admit fault, claiming the billing address or security code entered was incorrect. I refuse to believe their claim as : 1 ) they later admitted they had set a low fraud limit, below the amount I tried to charge ( and well within my credit limits ) ; 2 ) : the charge was attempted at least 4 times by at least 2 different sales clerks ; 3 ) : I gave the sales clerk my billing address & security code ; ( 4 ) : in the last two charge attempts, the sales clerk had the card in his hand ; ( 5 ) I was well below my limit, have never missed any payments with years of credit history & have a pretty high credit score. 
I ended up using a different credit card with no problem at all. 
I believe they refused the charge because they didn't want me to get the reward points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called XXXX  's to pay off a credit card after an unexpected late fee. I explained my account should have been on auto pay which they agreed and updated my account for. I asked to waive the late fees and, instead of saying no, the operator gave a convoluted response, placed me on extended hold and then lied that she would help me and take care of the late fees. I agreed to pay the balance in full immediately but was deceived by the operator. The XXXX operator chose an arbitrary number to charge me which purposely misled me into thinking my debt was paid in full. Now, after being purposely misled by the XXXX  's credit department, I am being defrauded by additional exorbinant late fees and interest charges on the carried balance which I formerly agreed to pay and was lied to about.

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 2019-01-02 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:
I sent letters to the 3 credit bureaus ( XXXX XXXX, & Equifax ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, XXXX   & Equifax respectively on XX/XX/2018 ( letters 1 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18 & XXXX : XX/XX/18 ( letters 3 ). 

Equifax : XX/XX/18, XXXX XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, XXXX, and Equifax to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Bank. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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:
I sent letters to the 3 credit bureaus ( Experian, XXXX, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account.

Letter 1, 2, 3 & 4 was certified mailed to Experian, XXXX & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, Experian : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18 & Experian : XX/XX/18 ( letters 3 ). 

XXXX : XX/XX/18, XXXX XX/XX/18, Experian XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, Experian, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. Experian also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : Experian : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

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 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently opened a chase checking and savings account and upon opening the account I was informed that another checking and savings account was opened and charged off in my name. I left the customer service at the bank no that it was fraud that I have never held a personal checking or savings account with chase bank before, just a loan account for a lease car that I have. I provided them with documentation proving my claim of identity theft and my accounts was allowed to be opened ... .. Now days later they close my account after I switched my direct deposit over and all my bills to come out of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: NY

Complaint narrative:
I took out a loan with Omni Financial in XX/XX/XXXX and it eventually went into a charge off status in XX/XX/XXXX with a balance of {$3500.00}. Every month since then they have been charging me all types of fees and reporting it to the Credit Bureaus to now my balance is up to XXXX. 


If the balance is was charged off how can they still add all of these fees to a loan. I have tried calling them but it only sends me to a collection agency that has been nothing but RUDE! I tried sharing I went through a XXXX  divorce and am XXXX XXXX XXXX from the VA. 

I am in the process of trying to purchase my first home and having this increase monthly with fees is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your XXXX  credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX  XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: ERC
State: PA

Complaint narrative:
Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: DC

Complaint narrative:
XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX  because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX  directly. 
XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX  and affiliates, I have completed form and am submitting it via their customer service email address

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