vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX CoreLogic SafeRent, XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, California XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Someone fraudulently applied for and opened an America Express credit card using my personal information. I have never applied for an America Express credit card. The following American Express credit card application reference number : XXXX is a fraudulent application. American Express is holding me liable for a fraudulent account and credit card application thats not mine and dont belong to me. I have excellent credit and want to apply for an American Express credit card, but American Express is discriminating against me and trying to hold be liable for a fraudulent American Express credit card and credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have a loan with HYUNDAI CAPITAL AMERIC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HYUNDAI CAPITAL AMERIC with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: IN

Complaint narrative:
XX/XX/2019 CoreLogic Credco, XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/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 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a victim of identity theft and have never applied for a XXXX XXXX XXXX XXXX XXXX credit card account, but Chase Bank is trying to hold me liable for account ending in XXXX which is a fraudulent account that I never applied for and the account dont belong to me. Chase Bank is discriminating against me by trying to hold me liable for a fraudulent credit card account, refusing to let me apply for a Chase credit card account and discriminating against me by deliberately denying my application for credit due to the fraudulent credit card account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
Some of the specific disputes I have are. I have more disputes than what is listed here. 
1. The original contract was at 5 % APR, with NO statements that any other rate could be applied. Why was I being charged an APR of 9 % in XXXX and how long was this rate applied? Why was it changed back to 5 % in XXXX? 
2. Explanation of fees paid, fees due, interest paid and why there is an inconsistency in the amounts? For example ; fees paid on one statement were {$400.00} and on another it was {$33.00}. If they are PAID, by who and to who? 
3. A judgement was taken out. I never received any documentation of this. Only a phone call from XXXX. Where is my copy? My research found that judgements can only collect on what is stated in the judgment. 
4. I had made payments before the judgment was taken out. My tax return was also collected to pay the debt. I do not have records that go back that far but an XXXX statement does reference a last payment made on XX/XX/XXXX. Since any many collected is supposed to pay the oldest dollars first, was is this not reflected in the original debt amount? Where are the {$70.00} payments I made for 8 months before the judgment?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-03-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
On XX/XX/2018 I went to a store in XXXX, there I made two purchases ( approximately {$160.00} and approximately {$240.00}, depending on the exchange rate ). The merchant took my card behind the counter and did something but then she claimed that the machine, which would print a receipt I was to sign was not working. She gave me two scraps of paper to sign which seemed very strange. Later when the charges appeared on my statement I saw that I was charged {$570.00} and {$680.00}. Naturally I disputed the charges and my bank gave me a temporary credits of {$410.00} and {$440.00}. These credits were later reversed when the merchant sent two fraudulent receipts, with forged signatures that look nothing like mine. There are also itemized containing things I never purchased. And these are also signed with a forged signature.I sent a rebuttal of the reversed charges and filed a police report here in the USA, but the bank refused to recredit me with the funds that were stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
After contacting my health provider it has been indicated that the amount paid is incorrect by the collection agency. 

Therefore I am asking this collection agency to provided the original bill for the services recieved by the original creditor XXXX XXXX XXXX Hospital.

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 2019-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: AE

Complaint narrative:
I have contacted Caliber Home Loans several times regarding them falsely reporting that I am {$5400.00} past due on my mortgage and I have been late on my payments since XXXX. I wrote a letter to Caliber on XX/XX/XXXX, and I called the same day. I have inquired about the information each time I paid my mortgage : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told that the information will be updated, however ; I just checked my credit report and it states the same plus they added XXXX and XX/XX/XXXX as past due 90 days. 
I would just like for accurate information to be provided on my credit report. I am not past due and my last late payment was in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 I called capital one to pay off my account they told me the pay off balance is {$1000.00} and I paid it I asked what is my balance phone prepressnative told me XXXX Now I recidved a statement bill which capital one charged me {$15.00} interests For what??????? 
I paid off according to what they told me Period ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the bible. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX followed tax law and im asking Equifax and XXXX   to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX  and XXXX. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect XXXX and Equifax to do the same or they to are commiting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a complaint with all three credit bureaus and a CFPB complaint about a fraudulent loan where someone got ahold of my information and had a loan in my name. Experian continues to show late payments when even the loan company has charged off and written off the loan. And both XXXX and XXXX have removed the loan and Experian keeps adding it back after deleting it as well.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax wont remove XXXX XXXX XXXX from my account XXXX claim I was making payments from a XXXX XXXX checking account as Im about to present is a official letter from XXXX XXXX staying I never had a XXXX XXXX checking account so how could I XXXX XXXX make a payment under my name when they confirmed I never had a checking account with them and I never have lived in XXXX XXXX XXXX XXXX XXXX XXXX nj which I am presenting my drivers licenses with my address on it if XXXX does not remove this fraudulent account alone with Equifax I will sue them in court as it is a violation of my fcra rights also Equifax is reporting I have a XXXX card a XXXX auto loan and a XXXX credit card and a XXXX account which is not accurate they all must be deleted at once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the XXXX. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX  followed tax law and im asking XXXX and Transunion to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX and Transunion. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect transunion and XXXX  to do the same or they to are commiting fraud.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit reporting companies have found a way to charge customers for the free reports. You can get the report, but for score, you pay {$10.00}. 

The give you the report for free, but hold the score. You pay for the score. I paid {$10.00} for TransUnion score. 

As I have freeze on my credit report, I generate it myself and give it to the lenders. 

The lenders want score to make any decision. I am getting forced to pay the fee.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
XXXX XXXX XXXX reported a 30 late payment on my account after the car was paid off via a insurance claim. Exeter Finance claimed that the check that arrived before my payment due date went towards principal and interest when the check paid off the entire balance before my payment was past due. Exeter acknowledged this fact, but refused to remove the late status even though the payment arrived prior to the due date for XXXX. This paid the entire principal and should not have resulted in a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Sent two letters thru the mail stating that I have an credit card account with XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX the card is a XXXX Card? It states that my card has been suspended due to irregular transactions and my card is permanently closed. I don.t know who this bank is. I tried to call them and they wanted personal information over the phone, one letter even asks for me to send them this information. 
I feel like I have been targeted and they are fishing for information. who is this bank and why did they send me these letters when I do not have any dealings with them. I am not responsible for any account opened with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a statement from Wells Fargo with my address. It was addressed XXXX XXXX XXXX XXXX and was a business statement which had my address with transactions. When I called they requested my name several times even though I explained that this business did not exist at my residence and that I didnt have any accounts with their bank. They asked why I opened the letter if it wasnt addressed to me and I explained that I thought it was some type of solicitation. I then spoke to a manager on a recorded line who told me to forward the statement back to Wells Fargo. I said that I would but wanted to keep a copy for my files. She told me not to do it no need. Afterward, I remembered that there was concern over them creating false accounts as a way of earning incentives and was curious if this was related to this situation. I am concerned that someone has listed my address as a place of business and that as a result I may be unknowingly involved in a fraud scheme.

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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX complaint still open. Credit reports states they took off the alerts of unpaid debt which is NOT mine but they are still there affecting my ability for a bank credit card beside braking PA Law

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