vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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: TX

Complaint narrative:
I called Trans Union and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

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 2019-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... XXXXThe credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....

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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I've contacted Citi Bank several times to resolve a unreleased mortgage from XX/XX/XXXX. Upon calling I was referred to a resolution team that does not accept calls only faxes ( XXXX ). A fax was sent several times without any followup from the company. I am in dire need of a lien release on a mortgage from XX/XX/XXXX, The CitiMortgage at that time was transferred or sold, yet, the mortgage was not released by CitiBank, The loan number is XXXX. Pin XXXX. I was due to close on XX/XX/XXXX, my closing has been delayed until this matter is resolved. Please assist in providing the necessary release of this mortgage. If additional information is needed please contact me, by phone or email at 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 2019-08-07 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: OR

Complaint narrative:
The account is paid off since XX/XX/2004 and should never have been shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS foreclosed on my home with a tainted assignment while the account was coded dispute. I called twice and both times the SPS representatives told me the sale would not take place. I learned today that my home foreclose and sold back to the lender. This was definitely a promise estoppel on SPS

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stated I owed money from an account opened after the statue of limitations and I explained that this account is no longer on my credit report is very old and the gentleman stated that he wad aware but wanted to see if he could still get payment and I asked him not to call again and he was cussing. The account was for XXXX XXXX XXXX XXXX, CBE group is the company. XXXX XXXX is who I talked to and XX/XX/XXXX and they stated they can still legally get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I called Credit Control Corp and explained that this account was opened fraudulently by my estranged spouse. This account was opened 2 days after I left for XXXX basic training. I could not have opened this account for myself. The address in which the internet and cable company was listed as my estranged spouses address. They told me on XX/XX/2019 that they were going to take care of this account. It still remains on my credit file. I attempted to call them on XX/XX/2019 and began speaking to someone and then was hung up on. I could not reach them after that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 I applied for a refinance loan with Bank of America. I was told that I could not be approved because I am retired and only have limited income. Bank of America did not consider that I have over {$1.00} XXXX in cash & stock assets. I explained that I withdraw {$3600.00} a month from my savings to cover expenses. And, in three years when I am XXXX I will receive {$3700.00} a month in income. Bank of America did not consider that, if needed, I could draw social security at any time. Bank of America did not consider that I could draw from my 401K at anytime and can withdraw from my savings at anytime. Since most retirees live on their savings ( that's why we save for retirement ) I believe Bank of America 's policy amounts to discrimination on the basis of age - over 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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My complaint is against Chase Bank and their credit card service. They did not provide me with a valid reason for rejection of my dispute on a transaction. 

I made a purchase with a company and they charged me the wrong amount. I contacted the company and they were unwilling to credit the difference. 

I filed a dispute with Chase and was told that if I did not have a receipt showing the amount that I was supposed to be charged, then I was liable. 

This payment was placed by phone and I never signed or agreed to any documentation to support what I was charged. The merchant responded to my dispute by sending a contract that is signed by the seller but the signature line for the buyer is blank. For some reason Chase took this contract WITHOUT a signature as proof of it being a valid charge. 

I escalated the dispute up the Chase Executive office and was again denied. I was contacted by a XXXX XXXX at XXXX XXXX. She repeated the same as the dispute department that I needed a receipt as proof of what I should have been charged. I asked her that if anyone wanted to be deceitful, they are not going to give any paperwork. 

I also asked her that if this person would have charged me {$20000.00} then agreed, that I would be liable? She stated that yes, I would be. 

I asked her if she could send me Visa rules or even Chase rules stating such. She refused and then said she would but never did. I called her two different times requesting this information and she never returned by call. 

If this is the rule for credit cards and the general public knew, that would be an end to all credit card use. Who would make a purchase by phone or internet knowing they are liable to whatever amount the merchant charges? 

Thank you for any assistance on this matter. I didnt realize until now that I had an option to file a complaint about my bank. 

I have all paperwork and letters from Chase about this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emerald Coast Collections, LLC
State: FL

Complaint narrative:
Emerald Coast Collections - Somehow they have my Medical information, which I did NOT authorize this company to have or receive ANY of my medical information, I believe it is a violation of my personal RIGHTS for this company to have ANY of my medical information. 

I do not OWE any Medical debt and Emerald Coast Collections placed 4 separate collections on my Credit Report in the amounts of {$200.00} - {$200.00} - {$310.00} - {$79.00} - 2 collections were placed on my Credit Report the same day, XX/XX/2017 and 2 others placed on my report as well. 

Not only does Emerald Coast Collections NOT have authorization to my Medical Records, they then COMPLETELY and without any merit FRAUDULENTLY placed 4 separate collections on my Credit Report. 

I have called to contact this company and I am hung up on, yelled at, told I am a loser and to pay my bills, etc ... And Emerald Coast Collections REFUSES to remove my information from there system. 

This is a major FRAUDULENT company and I did NOT authorize this company to have ANY of my information whatsoever and this company needs to be SERIOUSLY INVESTIGATED, especially being here in the state of Florida. They are more than likely doing this to countless others and elderly folks who do not have the means to protect themselves. 

I am requesting a response. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: GA

Complaint narrative:
I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX  and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....

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 2019-08-07 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: GA

Complaint narrative:
I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX   and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is  complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
There was a title loan given on the vehicle ... XXXX ... ..the vehicle was ultimately repossessed ... .the company continues to report the original loan amount to XXXX and has given no monetary credit for the vehicle ... ..the tires and rims on the truck alone was worth more than XXXX ... ... and that's not including the value of the truck itself ... .the loan amount should have been completely wiped out after the vehicle was repossessed due to non-payment ... ... .the amount reporting to the credit reporting agency as a charge off is completely incorrect! and on top of that ... ..the loan was obtained fraudulently by my brother ... ... and all the proper documents have been submitted to the agency ... ... but as I said besides all of that ... the company AUTOMOBILE ACCEPTANCE account # XXXX AMOUNT OF XXXX ... ..this is wrong on so many levels and I have tried to resolve this with no result

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Notwithstanding allegations of fraudulent charges regarding Capital One account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings
State: NC

Complaint narrative:
I was enrolled in the XXXX/XXXX  classes..I was lead to believe this was a  federal loan but never the less, I completed 3 classes and then my sister was diagnosed with a rare type of XXXX. I canceled everything and moved home to NC to help her with her XXXX children and she passed away 6  months later. I finally got enrolled in school again this year with XXXX University only to be told after I completed my first classes that XXXX  University wont release my transcripts and Im on unconditional hold until the problem is resolved.. XXXX   University has been impossible to get any information out of.. I did finally find that my original loan with them was through XXXX XXXX who informed me that they dont handle those loans anymore.. Theyre trying to say I owe almost a XXXX dollar debt to them.. I dont really know what or whom Im supposed to do so that I can get on with my education so I can support my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Got a phone call and they offered to lower my interest rate. He asked for my credit card information. They hung up after I gave them a false credit card number. 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 2019-08-07 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX " Law firm '' XXXX XXXX XXXX contacting Regarding XXXX. This agency has been calling. My Son, sister in law, neighbor, Son 's girlfriend and My workplace. Boss handed me a message. On a disputed debt from years ago. They are recorded as stating they plan to " serve me " at work yesterday. I spoke with them yesterday and today, still calling, still no papers. Still have not been served. Told them stop harassing me and STOP calling work, neighbors and people I do not know. They are giving out my address and name. I have not gotten information or detail. They just need to cease and desist at once before I collect XXXX each recorded incident. Prove who I owe and what.. or leave me alone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation