vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to XXXX illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.

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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
See attached letter. My mortgage company is illegally charging late fees ( {$100.00} ) - taking money away from an extra principal payment and enriching itself at my expense. The attached letter to Caliber Home Loans explains it all and how Caliber illegally stole my money by wrongfully assessing a late fee in XX/XX/2021. No credit was received on the XX/XX/2021 statement which is attached. This happens several times each year, especially on federal holidays. 

I am requesting the CPFB to get these XXXXs out of the mortgage business OR fine them and get them to adopt proper practices of not stealing their customers money. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to Experian illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report 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 2021-02-27 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.

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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX was my provider about 4 years ago ; I ended my service & returned equipment to a local Authorized XXXX XXXX ; it was a 1st party XXXX XXXX A couple years later, I was trying to buy a house & discovered a {$950.00} bill sitting on my credit. 

I went directly to XXXXXXXX XXXX ; they checked last time I had service ; confirmed I ended & owed nothing at that visit Ive had only XXXX since and reported disputes with XXXX & 1 of the others. Still showing {$950.00}. The debt had been sold to a collection and I tried to obtain the address service was started ; no luck. Someone setup service in my name!

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 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my identity was stolen and as a result their has been several accounts opened in my name as well as attempts to apply for credit. The accounts noticed thus far are the following : XXXX XXXX cards with account numbers ending in XXXX and XXXX as well as an inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I have been in touch with the companies to let them know of the identity theft. I have also filed a police report in my county. I am simply asking that all accounts be closed and permanently removed from my credit files.

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 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted Equifax numerous time to delete an address on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seattle Service Bureau, Inc
State: AZ

Complaint narrative:
This debt is a written contract with a divorce lawyer from 2014. The statue of limitations in Washington on a written contract has expired RCw 4.16, I am not the sole owner of this debt and the company is destroying my credit by keeping it in all 3 bureaus, they are being fraudulent with the dates in order to keep it on my report. I have never received any mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX my Bank of America credit card charged me the annual fee. I had not used the card in months. I was not expecting to have a payment due because I had not used the card. 

The email address on the account was outdated and the payment notifications went unnoticed. 

I had over 10 years of history with Bank of America. I had impeccable credit above 850. I never missed a payment. 

Bank of America sent email alerts of the payment due. Then reported the missed payments to the credit bureau in XX/XX/XXXX without notifying me via mail first. 

Again I had not used the card to make a purchase and would never have intentionally missed a payment. It was an honest mistake. As a result of the reported missed payment my credit score is much lower.

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 2021-02-27 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: CO

Complaint narrative:
To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information.

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information.

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me.

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I have sent NCB Management Services numerous requests to fix the in accuracies on my credit report since XX/XX/XXXX. I have also disputed the account with all three credit reporting agencies as well. NCB is still reporting inaccurate information to the credit bureaus. I sent NCB a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and they received the letter on XX/XX/XXXX asking for an investigation under the FCRA FRCA 623 ( a ) ( 8 ) and they failed to investigate the inaccurate information and send me the documentation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The debt collector, Pressler, Felt, and Warshaw representing XXXX XXXX ( XXXX XXXX XXXX ) has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX of 2020 I initiated a debt management program through XXXX and included my JPMCB card with a monthly payment of {$530.00} to pay off in 5 years. After 3 months I realized I could not make that payment along with the additional {$600.00} for the other creditors. XXXX has taken JPMCB out of my debt mgmt program and suggested I work with JPMCB directly to negotiate a longer pay off period to lower my monthly payment. I have made several calls and they tell me I do not qualify for any of their programs to lower my payment. I am currently paying {$220.00} per month directly to JPMCB which covers the interest on the balance plus {$25.00} towards the balance. When I am once again able to pay more I will. In the meantime I would like for this to not ruin my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was hoping it wouldnt come to this. But XXXXXXXX XXXX deserve to be protected!! I lived at XXXX XXXX XXXX for 2 years. I gave them 2 years of loyalty, never a late payment in spite of having to deal with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one of which was a good friend of mine in the neighborhood who owned the liquor store across from the apartment complex that happened directly across the street from my apartment unit and another third shooting that happened in my apartment complex at XXXX XXXX. Is one supposed to have to live like that? I carried out 2 years and when it was time for me to sign my third lease I had the option to sign that lease 2 months in advance. At the time my finances were not in the best position to move so I went ahead a signed the lease. Well, things changed when my friend was shot at the store, I needed to desperately move and for a peace of mind. My XXXX, my friend had just been shot and killed in his own store that I frequently shopped at. I never asked for any sympathy but 1 month before my new lease was supposed to go into effect I went to talk to XXXX who was the XXXX XXXX XXXX of the company that owned XXXX XXXX XXXX which was XXXX XXXX. I just asked that because my lease had not gone into effect could they simply waive the fee that they charge to break the lease. I've been a great tenant despite the issues. You have already taken my deposit that I paid which I never got back. Now you want me to pay {$800.00} to break the lease. so boom they put the {$800.00} on my credit when they know I'm moving to another place. the debt hit my credit faster than I could move out. So now I just recently settled the payment at {$400.00} which they could have offered that before and met me half way but now it effects my credit. This how you do XXXX people when it comes to credit. The lease had not even gone into effect. This entire situation was insane. I held up my end of the bargain by paying 2 years straight but they failed me as a tenant. provided no safety measures following the first shooting, didn't even offer resources for therapy for the mental health issues that could arise from simply hearing XXXXXXXX XXXX. we do our communities a disservice when we don't show empathy and we make it all about the money. that is pure greed.

Company response to consumer: Closed with explanation