vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: OH

Complaint narrative:
this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed XXXX bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " XXXX XXXX '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 I did a failure XXXX XXXX at XXXX XXXX in XXXX with XXXX XXXX XXXX ( XXXX ) I told XXXX that all my planted grafts came out and I need my money back but he advised me thats normal and I have to wait 2 months to see the result. 
So I called my bank ( chase ) to dispute this charge but I still didnt get the full amount of the refund. 
My hair looks very bad and ugly and I cant get out from my home without covering my hair. 
So please I need the full amount of the refund {$2100.00} I order to do another hair Transplant to fix my hair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX. this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on 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 2019-05-22 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: OH

Complaint narrative:
this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on 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 2019-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I had a repo 10 years ago, which my credit was affected deeply by this but I had been laid off from my job at the time. This stayed on my credit for over 7 years. Now they sent legal notice to my employer to garnish my pay which has been for over a month now so Im being re-punished again which I understand Im hardly making ends meet but again I understand its a debt I must face. The major problem is the company has called several branches of my employer in a very rude and nasty form as if everyone who answers the phone is me threatening them and telling them my personal business. My employer is sort of a franchise partner of the company and they call on a daily basis through out the day and threatening them all the time in regards to my debt with them. My boss is getting called and complaining that they are calling all over the state of Florida in regards to one of his employees. Quite frankly its very embarrassing not only for me, but for those that are being threatened on my behalf. The company is Reliant Capital and their representative is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: DC

Complaint narrative:
I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

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 2019-05-22 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: DC

Complaint narrative:
I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

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 2019-05-22 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: NC

Complaint narrative:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is billing me incorrectly. For years the amount of my payment due has been around XXXX. Since 2016 I began paying XXXX. In XXXX I made a payment of XXXX because it said I was overdue. It didnt make sense to me but Im trying to buy a house so I paid it. Then I called and they said they had made a mistake and they would credit my payments and I was now paid ahead till XXXX. I then logged in a few weeks ago and it shows I owe XXXX plus dollars in late fees! I called them and said this doesnt make any sense look at my payment t history. And even if that was the case when I overpaid when I made the payment of XXXX after they applied the amount to the normal payment of principal and interest the late fees should have then been paid. I dont have ANY statements or correspondence from them nor can they provide any that shows I have a late balance of XXXX plus dollars. When you look at my payment history you will see it for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Automatic Data Processing, Inc.
State: CO

Complaint narrative:
Friday on the XXXX of XX/XX/2019 my balance XXXX i bought a few items everything was fine and then somebody took my card and paid the gas at a pump so like normal they put a XXXX $ on hold but once the transaction went through they took XXXX $ never gave it back .. i bought a tv from XXXX canceled the order they took my money and never gave it back im missing almost 300 $ out of my account transactions are constantly changing and not making sense dates disappearing its terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: NC

Complaint narrative:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

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 2019-05-22 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: NC

Complaint narrative:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX stated we only applied for pre-approval of said loan. I did not see any loan papers ( contracts ) from GreenSky stating number of payments, size of payments, length of term, interest rates, options for down payments. ( XXXX ) There was a paper flashed in my face with Greensky lenders header at top, which showed 4 % interest under $ XXXX and 7 % Interest over $ XXXX dollars. 
There was total deception, of true interest rates. 
We informed Dentist we had to get a badly needed head-to-toe physical for wife and prior arrangements/appointments to get done. 
Dentist office stated they would stand by and wait for our call. 
Dentist pulled {$32000.00} in my name same day as consultation. 
XXXX. claimed had built all my wifes dentures and retained $ XXXX. 
XXXX. refused to accept a {$5900.00} check, give us all the records/dentures and refused to restore GreenSky lenders. 
Even though a full line item- itemized sheet showed {$5900.00} was all current charges. 
It appears dentist office held/holds $ XXXX, but did not build dentures and had only performed the 3 simple procedures witnessed in office on day of consultation of $ XXXX {$300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 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: DISCOVER BANK
State: FL

Complaint narrative:
a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I escaped from an abusive marriage last year and moved to Washington state. I have lived here for two years now with my family which is why i was shocked to receive a bill from the apartment that i shared with my ex husband when he moved out. Now the whole reason i left XXXX XXXX was due to the police knocking on the door ( when i lived in XXXX XXXX ) if my apartment saying i was unlawfully trespassing by being inside the apartment with my brand new newborn baby because i was not on the lease. I had been removed prior because of the XXXX XXXX. I have contacted the collection company many times they have said they would remove it if proof was mailed. I faxed over proof and they did nothing. I have contacted the orgianl creditor. They stated they no longer own that property and have no records which i know cant be true and even if so i have proof a letter from the current leasing staff saying i was being removed over a year ago. Not only do i need this gone but Id love to have peace of mind knowing this wont happen again

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: MN

Complaint narrative:
I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was told that they don't have to send me a billing statement. The rep said it's not required by law and encouraged me to do a forebarence to bring my account current so they could try to send me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: PR

Complaint narrative:
They are communicating to my work constantly and this is abusive and it is bringing problems with my supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am submitting a complaint regarding the actions that Chase performed on XX/XX/XXXX by selling the home I previously owned via Foreclosure despite an active Sales Contract that was approved and agreed upon through XXXX TN Bankruptcy Court. 

On XX/XX/XXXX, I entered into agreement with XXXX XXXX, Real Estate Agent for XXXX XXXX XXXX, XXXX TN to begin the process of a Short Sale of my home. The initial proposed sales contract dated XX/XX/XXXX was submitted to Chase for review and consideration. On XX/XX/XXXX I received a letter from Chase stating the amount submitted was too low to consider and to submit a new or updates sales contract. 

On XX/XX/XXXX, I received a letter from Chase indicating that my home was scheduled for foreclosure on XX/XX/XXXX. Two days later XX/XX/XXXX a new contract was submitted with a new buyer and a new amount of XXXX. Chase approved the Short Sale with the proposed amount. The sales agreement listed the closing date as XX/XX/XXXX. This sale was approved by the TN XXXX   District Bankruptcy court. On XX/XX/XXXX the agreed Short Sale was stopped because " Seller unable to provide good title. '' Because the home was in bankruptcy a lien was placed on it to assure that any proceeds of the sale would be paid to JP Morgan Chase as part of the bankruptcy agreement. The approval authorizing the sale specifically stated conditions that JP Morgan Chase Bank and all liens would be paid in full as the closing. 

On XX/XX/XXXX, Chase sold the home as a foreclosure auction by a Third Party at the same approved amount of XXXX. Chase was fully aware that a Short Sale which had been approved by the Bankruptcy Court was to have been completed by XX/XX/XXXX. Once the sale had been completed, all liens would have been released and the Seller could have received a complete title free from any liens. 

Because Chase did not fulfill the approval of the sale via bankruptcy and sold the home as a foreclosure, I will now have a foreclosure listed on my credit and that should not be the case. Chase negligence in adhering to the approval of the sale has now placed my credit in a dismal state. 

Because Chase neglected to fulfill the approved sale of the home that was agreed upon and in process of closing on XX/XX/XXXX, a foreclosure was performed. Once the Short Sale had been completed, the new homeowner would have received a title that was free from all liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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:
A collections notice was put on my credit file even though I have a receipt showing the balance was paid in full many months prior to when the collection was filed. XXXX and XXXX have both removed the collection from my credit file but Equifax refuses to remove it. I have opened a dispute with them and they closed the investigation without removing the collection. I called them and they said that even though I had submitted the receipt that they were unable to remove the collection from my report. They then said that they could open another investigation. I have a mortgage that is on hold right now because they can not underwrite it with open disputes on my credit file. It's been over a month and I need this done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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:
There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my Experian, XXXX, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my Experian, XXXX, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED

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