vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 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: CA

Complaint narrative:
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send 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 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute through transunion on XX/XX/XXXX. I received a letter station that it would take no later than XX/XX/XXXX to have completed. It has been well over 30 days and have had no response from the credit agency. Would like this debt to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This Account is not mine I have been getting fraudulent activity on my account profile with creditors and it has been reported in the pass. Harris & Harris , Ltd is the collection office that added a negative account with my creditors. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: FL

Complaint narrative:
I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, TransUnion, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. TransUnion and XXXX have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

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 2018-02-16 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: FL

Complaint narrative:
I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, XXXX, and Experian to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit  bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and Experian have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

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 2018-02-16 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: NY

Complaint narrative:
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated

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 2018-02-16 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: TN

Complaint narrative:
I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: TN

Complaint narrative:
I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my 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 2018-02-16 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: CA

Complaint narrative:
WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ...  so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: NY

Complaint narrative:
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Transunion has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, TransUnion must provide me with a copy of the original contract signed by and obligating me to this debt. If TransUnion can not provide such proof of debt validity, the account must be deleted form my report. TransUnion has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Account Status XXXX # XXXX Not Validated XXXX XXXX # XXXX Not Validated XXXX  XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX # XXXX Not Validated XXXX XXXX XXXX # XXXX Not Validated XXXX/XXXX XXXX # XXXX Not Validated

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 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: IA

Complaint narrative:
Around XX/XX/2017 I was in the process of getting a home loan with XXXX XXXX XXXX in XXXX IA, in that process I had received my letter of credit approval, I did everything the mortgage company asked on paper submitting paper work in. Well we got to closing date and then after all that work and having the seller ready to close the mortgage company said we couldn't close because I did not qualify. Well I called the company and then the confusing part and what makes me want to share so public know. Is that my Wife had used them in the past and my daughter was in the process as well of getting a mortgage loan from them. They started mixing my personal stuff with my wife 's company files from when she had used them. I asked them with what authority or who had let them go through my wife 's files so they could qualify me? My wife called as their agency was calling her company to get financials from her which were not necessary. She let them know that she had nothing to do with the loan that I was getting or her company. Then when I talked to them again they were trying to mix my file with daughters file so I could get qualified. Then the Seller reached out to them letting them know how unprofessional they looked in doing so they told the seller without my consent giving them false financial information about my family. I ended up taking my business somewhere else and luckily the seller understood and we closed with another mortgage company. Again the suspicious thing is they had no authorization to do that without my daughter and myself being aware. to We stopped the process I wanted a proper explanation all I got was that I had no need for the loan and that they made a reference towards my family as we did not have money without facts that excuse seem the most unprofessional excuse. I would not recommend this mortgage company to anybody their employees say one thing give you papers and then last minute always changes with huge increases and little explanation to why, also the fact that they are using other peoples files to approve another person raises a flag. I do urge this be investigated in dept so this experience and public people files are safe.

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX i open an account, the next day i went to deposit more money in my account. My atm card wouldn't work, so i went inside the bank and told them my card want work. The teller check the card and told me the card was close, she told me i haft to call the XXXX number to find out what was going on. I call the XXXX number they told me the account was closed. She say she cant tell me why, she told me to go to the bank and get my funds, i had XXXX dollars in my account. I went back to the bank to get my money, they told me the check will be mail to me.I waited for the money to be mail and then i called them again they told me the money will get to me on Wednesday, i waited the money did not come so i call them again. That when they told me there was account ten years ago with a negative balance and they took my deposit and put it in the old account. They told me the account was written off, i got XXXX XXXX after i open the account, when i XXXX XXXX up there was XXXX XXXX dollars balance, but the teller told me there were different charges on the account. I explain to them i did not do those charges. they told me that there was Nothing they could do.

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 2018-02-16 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:
There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX Pleaes help me get this matter cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have an account with XXXX XXXX for my XXXX savings account. 

They are charging {$3.00} per month for balances below {$5000.00}. 

This is completely ridiculous that I have to maintain {$5000.00} per month and the interest earned is 1.5 %. They offer an option to invest the money in XXXX XXXX which is what I have done and because my money is in the XXXX Account they dont offer credit for that. 

I feel this unfair and taking advantage of a captive situation. 

I spoke to XXXX XXXX and they said this is all in the fee schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Erroneous item CHASE # XXXX ( or Chase Mortgage XXXX. ) reported by Chase to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Chase has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Chase has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up

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 2018-02-16 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: TX

Complaint narrative:
There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last  name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up

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