vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Received a communication from Chase stating as a new benefit they will reimburse cost of XXXX precheck registration. 
I live 170 miles from nearest registration site. Happened to be in XXXX XX/XX/XXXX. Which saved me a 340 mile round trip. When I received my statement with no credit was toldI should have read the fine print benefit doesn't start until XX/XX/XXXX!! 
Very misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MO

Complaint narrative:
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A BANK EMPLOYEE PULLED HARD REPORT FOR SOME PERSONAL REASON ONLY WITHOUT PERMISION AND THE BANK IS TRYING TO PROTECT THE EMPLOYEE BY DECLINING AND HAVING REMOVED IN 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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
good afternoon, I'm requesting assistance in the matter of myself and XXXX XXXX. I'm in the process of paying off my mortgage with them, and I've gotten down to the final payment due XX/XX/XXXX. I called them on XX/XX/XXXX to get the final amount due. upon speaking with them I was told that a letter would be sent within the week with the details and payoff info. today makes three weeks since with no response. I've not received a statement also. they took XXXX on XX/XX/XXXX, and I presumed a final payment.i called today and spoke with aaaa person who states that the payment was in suspension, and not applied to my account. this person states that a letter was sent the day I spoke with the first person, and he probably didn't know it was sent at that time.she then states that a second letter was sent on XX/XX/XXXX.i haven't received any letters from them. I've read reviews about planet mortgage and I feel that they're not honest. now they want me to send a certified check ( as if i'm not honest ) to them for XXXX to payoff my account. on XX/XX/XXXX the principal balance was XXXX. I was requesting the total amount to send to cover the difference.now I've called them twice regarding this matter and getting the run-a-round. as I stated to the " person '', this is XXXX! thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MO

Complaint narrative:
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MO

Complaint narrative:
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.

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 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
Commonwealth financial systems has reported me multiple times to various credit agencies ( negatively affecting my credit ). I received written notice and responded by mail within 30 data requesting additional information. Initially they said they never received my letter which is a lie because I had the post office track that it was received. I received a response that did you provide the information I requested. This occurred in XX/XX/XXXX and they removed the report with no communication and now again without written notification, they reported the same debt to credit agencies again on XX/XX/XXXX. I received written notification AFTER this debt was reported to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Consolidated Information Services Solutions, LLC
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from CIS Information Serv on XX/XX/2017. I attempted to reach creditor and was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Hello, I have sent GC services and the department of education my loan discharge application for school closure. I attended XXXX college in XX/XX/XXXX as well asXX/XX/XXXX. I left on XXXX XXXX  and when I tried to go back to school the school was closed. I mailed a letter to my servicer because they garnished myXX/XX/XXXX tax return. I was told by my servicer that I did not have to pay my loan if I was in the process of loan discharge. Every time I call to try to get help they tell me theres nothing I can do? Now that I seeked legal advice a lawyer advised me to still make payments until I received a response. I was misinformed by GC services as well as XXXX College and now can not go back on my default. I recently received a denial letter for the student discharge application. I now have requested all transcripts and financial paperwork and in the process of hiring an attorney. I should not have to pay for these loans if I was never able to finish my education nor continue my education with any other school near me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America on XX/XX/2016. I attempted to reach creditor and was unable to.

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 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC
State: AL

Complaint narrative:
A company I XXXX as " XXXX ' XXXX called multiple times claiming I owed them and that they were filling letters for recommendation of legal action. They never identified themselves as a company or stated whom I owed money to. The only thing they wanted was a credit card number so that I could " settle '' the debt before legal action was taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
i don't have any knowledge of this account. please send me a full validation of the debt with bearing signature. also the account needs to be 100 % accurate, Verified and timely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MO

Complaint narrative:
The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MO

Complaint narrative:
The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.

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 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TN

Complaint narrative:
XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade & Associates, Inc.
State: WV

Complaint narrative:
I noticed three accounts from the XXXX XXXX on my credit report. The original creditor was XXXX. 
I wrote a letter to XXXX last winter and informed them that I had been a victim of fraud ; my now ex-husband sent his new girlfriend into grocery stores and wrote checks for food. I asked them to please work with me, as the bank has been doing until this goes to court. My certified letter was ignored and immediately the XXXX XXXX started reporting these accounts. 
When I was first made aware of the situation, I filed a fraud report with the credit reports and thought my files had been frozen until this can be resolved in court. 
I am protected under the FCRA from this being done to me with these accounts and have jumped through every hoop possible to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Problem with personal statement of dispute
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!

However Suntrust Never responded to my request!!!!

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 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Been paying on this mortgage for 14 years, XXXX  a month and after 14 years only XXXX  comes off the principal, this is absorbant interest charges, this company should be investigated.

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 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.

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 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been having a major problem with wells fargo auto dealership for a while, first started with the forcing me to buy their insurance, then charging me for insurance through the last over payment that I paid on the XX/XX/XXXX. Forcing 30 to 60 days lates on my credit report for the last 36 month. also when I asked about all of the 30 day lates, and 60 days they claim an internal processing error. we can all hide behind that excuse. 
I have all of my records showing that I have paid them over {$50.00}. Just last month in XX/XX/XXXX, and this month  in XX/XX/XXXX they are reporting 30 days lates, I paid them. They are destroying credit report, I am trying to find employment. please remove those lates on my credit report. and send me my car title. 
wells fargo said I owed them XXXX I send them a {$100.00}, the very next month they reported that I owe them another {$75.00} I owe them nothing. 
something needs to be done about this company and all of their corruption that has been taking place. where is the us government at with all of the XXXX from this company.

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase acct frequently displays pop up to update income and phone number when I am viewing my account. I responded to the request and the next screen said it was for a card. Worse, the next day, my credit report reflected a new inquiry from them. Worse, I called them, and they responded they couldn't do anything but it would come off my report in about two years. Please, I am XXXX XXXX XXXX and explained to them if there was XXXX XXXX, I could not have seen it as this was a frequent update they asked for. Can you assist me in getting this attended to. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Someone tried to open an account during fraud and identify theft.

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 2018-06-12 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: Ability Recovery Services, LLC
State: VA

Complaint narrative:
An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services. 

I haven't had any contact with the original creditor or its ancillary.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MI

Complaint narrative:
I sent a certified letter on XX/XX/XXXX it was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX for the Seller- XXXX XXXX   MerchantXXXX XXXX Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. 
this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is Equifax by sending XXXX written request As XXXX XXXX ( Vice President of advocacy management office )!

However XXXX  Never responded to my request!!!!

Company response to consumer: Closed with explanation