vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the month of XX/XX/XXXX, I applied for a loan modification with Bank of America.

I was denied a loan modification on XX/XX/XXXX. The reason given by Bank of America were the following : 1. Unable to verify Income.

2. Unable to verify Ownership or Occupancy of property. 

The above reasons to deny me a loan modification are erroneous and false. 
I occupy my home and it is my primary personal residence. Further, I have a business and file taxes each year to demonstrate I have a source of income. 

The denial of my loan modification is an attempt by Bank of America to wrongly deny me a loan modification to save my home from foreclosure. 

Bank of America is intentionally misleading me in approving me a loan modification to deliberately Foreclose on my property and strip me of my equity.

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 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/2018 my son called American Express to get the address where I could send a letter requesting the company to cease and desist contacting me regarding my debt as provided under the Fair Debit Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p. ) The representative handling me ( XXXX, employee XXXX ) and his superior ( XXXX employee XXXX ) in the XXXX call center refused to provide this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

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 2018-02-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not 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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XX/XX/XXXX - Received an alert from XXXX via XXXX that Barclay 's Bank  Delaware had requested credit inquiry. 

XX/XX/XXXX - I contacted Barclay 's Bank and informed them this was not 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 2018-02-13 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: NJ

Complaint narrative:
On XX/XX/2018, I have asked XXXX, TransUnion and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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 2018-02-13 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: NJ

Complaint narrative:
On XX/XX/2018, I have asked Experian, XXXX and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Wallet was lost and someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
I submitted a dispute with Equifax regarding a XXXX XXXX account. On XX/XX/XXXX XXXX XXXX  agreed to DELETE the account from my credit file. XXXX XXXX authorized Equifax to delete the account on several occasions ( see letters attached ) and as of today, Equifax has refused to delete the account and has continued to report the account. 

The matter was forwarded to the Office of the Comptroller of Currency and they advised me that XXXX XXXX agreed to DELETE the account from my credit file. All the other two credit reporting agencies have complied with the request, but Equifax continues to report this derogatory information despite numerous requests by myself and XXXX XXXX  for them to delete the account. 

As of today, the derogatory account is still being reported by Equifax as accurate information. 

XXXX XXXX  sent me a letter on XX/XX/XXXX stating that they have exhausted all their attempts to have Equifax delete the account ( see Letter attached ) XXXX XXXX  has complied and Equifax continue their rogueish reporting and blatant disregard for the law and the Fair Credit Reporting Act by continuing to report the XXXX XXXX account despite numerous requests by myself and the bank for them to delete the account. 

It is also my understanding that Equifax has three ( 3 ) separate files under my name. I requested they merge those files into one file and they have also not complied. 

I have attached a copy of the credit report as evidence that the XXXX XXXX   account is still being reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: NY

Complaint narrative:
On XX/XX/XXXX I visited a grocery store, XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and purchased groceries for the total of {$64.00}, the cashier accidentally charged me {$6400.00}. I did not realize this until after I had walked out of the store. I received a text message from Chase to verify the transaction, via which I declared the transaction fraudulent. I went back to the grocery store stated above and notified them of the error and that I declared the transaction fraudulent to my credit card provider. I then proceeded to have my brother pay for the groceries using his credit card for the appropriate amount. I did this as to void the entire transaction so I did not receive any benefit from the transaction for which I did not pay. On XX/XX/XXXX, Chase placed the charge back on my credit card account stating that I had received a benefit from the transaction and therefore it was not fraudulent. I contacted the merchant and they told me the funds were removed from their account by the credit card company on XX/XX/XXXX. They also provided me a screenshot of the transaction as proof. The merchant has agreed to resolve this issue by writing me a check for the fraudulent amount once they receive it from the credit card company if the credit card company is unable to resolve this issue. The merchant, XXXX XXXX, agrees with the statement above and have no quarrel with me about this transaction or receiving payment for the groceries. When I contacted Chase on XX/XX/XXXX in regard to this transaction, the agent on the phone notified me that Chase was in the process of transferring the money to the merchant. However, by XX/XX/XXXX the merchant had not received any funds. On XX/XX/XXXX I called Chase again and was told that the transaction will be expedited and the merchant will receive the funds within 72 business hours. On XX/XX/XXXX, the merchant, XXXX XXXX, told me that they had not received any funds. I called Chase again to see where they were with the resolution to my claim but I was unable to get in touch with a supervisor, the name of the agent whom I spoke to is XXXX. She told me that she is unable to provide me with the notes on the account and that she will have a supervisor call me back when one is available. I am still waiting on a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my 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 explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: CA

Complaint narrative:
On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: AZ

Complaint narrative:
All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: AZ

Complaint narrative:
All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.

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