vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: CA

Complaint narrative:
Experian enclosed is a legal goverment document from the furnisher XXXX  to the CFPB in response to a complaint for over a year with you please remove XXXX XXXX As per the furnisher response enclosed . if you feel you want to investigate this and not remove it at once FIVE DAYS then I feel I have a legal right against you to file a law suit you for purjury and false reporting not to say personal damages to my self and family, DR visites car wreck, personal loss, from your credit reporting I have all documents, an  these documents to use against you so PLEASE REMOVE AS PER RESPONSE .Please respond here to this case in 5 days removal or not thank you

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and can’t review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. It’s bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i don’t understand why and who is doing it.

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 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for a Walmart credit card last XXXX and when I received the card I got two discount options : one was getting {$35.00} discount if I made a purchase of {$75.00} or more and the other one was getting {$25.00} discount if I made a purchase of {$25.00} or more. I've made a purchase of more than {$44.00}. This morning when I tried to pay my Walmart bill, there was no discount. The cashier kept my discount flyer with the discount bar code. He said the discount would be in my bill. Now I'm supposed to pay the whole amount because Walmart didn't give me the discount I was told they would give me! I'm really disappointed! I called the customer service and the attendant said the discount will be given in one of the next bills. How come? Now I'm obliged to use my card to get the discount!?! It's not right! The discount should be given right away! They lied to me. I would never apply for a card if I knew they weren't honest to their customers! I'm really upset!

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 2019-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: NV

Complaint narrative:
On XX/XX/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: NV

Complaint narrative:
On XX/XX/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
FTC NOT MINE REMOVE

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for mortgage relief with OcWen Services a few months ago. They responded last month by raising the interest due on my mortgage by about {$1000.00}. When I asked why, they said I should be paying 50 % of my income to them, so I could afford it. I kept saying I was asking for a lower payment not a higher one. They began calling and harassing me, and when I asked to speak to a manager in the US, they either out me on hold of said someone would call back, and they never did. I paid my usual mortgage payment in XX/XX/XXXX, and they refused to accept it. They say I owe the higher amount each month going forward. I don't understand how applying for mortgage relief can cause my payment to go up so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter from CitiBank XX/XX/2019 addressing my TWO concerns : 1. Debt validation for two CitiBank TWO accounts : XXXX, XXXX 2. Consent Order, CFPB vs Citibank However, here are the problems : 1. Citibank sent me debt validation for only ONE account, instead of TWO accounts. Also the debt validation account number provided ( XXXX ) is not consistent with both accounts numbers listed above ( *see attachment ). 
2. Citibank did not address REASON WHY CFPB vs Citibank does not apply to BOTH my accounts. 

Please address both these concerns. I'd greatly appreciate it.

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 2019-01-03 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:
I was using XXXX XXXX for the first time using my Chase Visa card I called Chase to verify that I hat I would be protected for any purchases made through XXXX XXXX and was told that any transactions made on my credit card I was protected. I never received the product I have not been able to get in touch with the seller I put a dispute in through Chase two months ago and got a call back yesterday saying they could not help me I explain to them that I had called Chase before I made the purchase to verify that I was protected for this purchase and the Chase agent stated that it would be protected. I stated this to the agent that called me yesterday XXXX XXXX, I asked him to look at my records and see that I made the phone call and bring it to a supervisor is before they reapplied the charge to my account they did not! They replied to charge without even a second phone call. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and cant review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. Its bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i dont understand why and who is doing it.

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 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In connection with closing on a home, approximately $ XXXX of funds were wired by Citibank from our checking account on XX/XX/XXXX per the instructions received from the intended beneficiary ( closing law firm ) but were not received by the receiving bank. The funds were apparently received by a different bank, which bank returned the funds by wire to our Citibank checking account the next day ( XX/XX/XXXX ). After consultation with Citibank, a " XXXX '' was added before the beneficiary 's account number and a second wire ( of the same amount ) was commenced on XX/XX/XXXX and the funds again left our account. As of the morning of XX/XX/XXXX the funds from the second wire have not been received by the receiving bank or the beneficiary, nor have the funds been wired back to our account. Traces sent on XX/XX/XXXX and XX/XX/XXXX by Citibank have not been received by the intended receiving bank. On XX/XX/XXXX the beneficiary executed an affidavit certifying that the wire information provided to Citibank was correct and certifying, as of that date, that the funds had not been received by the beneficiary. On request by phone Citibank did not provide the name of the regulator to which a complaint could be submitted and instructed to call the Wires Department.

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 2019-01-03 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'm having extreme trouble having two items removed from my credit report of XXXX and Equifax. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both Equifax and XXXX to no avail. 

XXXX however removed them so I know its possible. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
XXXX XXXX # XXXX : XXXX XXXX XXXX I have received two checks from USAA Federal Savings bank. There was no explanation of what they were for, how they were calculated, or what issue they were intended to rectify. A representative from USAA identifying himself as, XXXX, attempted to contact me on my cell phone and left a voicemail. I have repeatedly told representatives of USAA not to call me on my cell phone. Is he even supposed to be contacting me personally? The checks sent do not cover the expenses that I have requested in my previous complaints. I have enclosed the documents for the extra expenses I was forced to incur on the advice of the USAA representative I had spoken to on XX/XX/2018 at XXXX CST.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello XXXX XXXX XXXX My name is XXXX XXXX and our account is under XXXX and XXXX XXXX and our loan number is XXXX and I am opening up a 2nd complaint with the  Consumer Finance Protection Bureau against Freedom Mortgage. The first complaint was filed in XX/XX/XXXX and the origianl complaint number is XXXX. As part of resolving the issue of my payments taken out of my bank accounts by XXXX and not being posted to Freedom Mortage, my credit was to updated to reflect that my account was actually current. As part of your own wording that was to be done, which now I find that your company still refects that in XX/XX/XXXX I was 30, 60, and 90 days late. I am in the process of trying to purchase a new home, to be financed by the builder. I was contacted by the lender and told that unless this credit reporting is resolved quickly I can potentially lose the home and the closing costs which would have been available to be paid by the builder once the credit is approved. I have included a copy of my orignal complaint and your response. I need this issue resolved immediately, as it was to be almost one year ago. Please contact me directly at 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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
XXXX XXXX is showing up multiple accounts in the same month.ive contact the company and they refused to send me proof with identity and signature from me.the account 's do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 I sent 2 quickpay payments to the wrong number, one charge for {$160.00} and another for {$45.00}, therefore the money went to the wrong person. I contacted Chase customer service while the transactions were still pending in my account and asked them to cancel it, they then stated they couldn't do so since I was the one that initiated it, that it was my responsibility and fault for sending it to the wrong number, and that they were " sorry '' that I was out {$200.00}. The suggested I tried contacting the number that I sent the money to, which I already had done, I called and texted them asking them to please return the money, they never responded and why would they? Chase is allowing them to keep {$200.00} with no consequences. While I do understand that it was my fault for putting in the wrong number I don't see why they couldn't cancel the transaction since it was still pending. All I want is the money back, I've been with Chase bank for 11 years and have never committed this type of mistake in the years I've been using quickpay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The credit card was charged additional fees after being paid off. Ive called several time to receive an explanation for the XXXX plus charge. I havent been able to receive any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Predatory lending violation to the XXXX elderly via telemarketing. Two telemarketers called my XXXX & XXXX yr old parents from another state and coerced them into taking a 30yr refi. Never offered mtg protection ins. or another program to better suit their needs, never had an attorney present to look out for their needs. There was no way my parents could live 30 yrs.to repay the loan & the fraudulent telemarketers knew this. Not repaying the loan due to one 's death & less income would subject the survivor to foreclosure or homelessness. Upon my parent 's death, the home was quit claimed to me & is where i reside. Helping my dad financially ( who died after my mom ) made me wonder why he had this loan burden to repay. I looked into it & began calling, faxing & mailing Wells Fargo w/questions they refuse to answer. I even paid for 3 & 1/2yrs. on a loan that is not mine. Upon learning many yrs. later of the loan 's fraudulent inception, I refused to make another payment. Wells violated Connecticut 's predatory lending law & is guilty of equitable estoppel, unclean hands & unconscionability. This was a bad loan from the beginning. Wells was pd {$71000.00} on an {$81000.00} loan. Under stress & pressure from Wells, I offered {$20000.00} as A " short pay-off ''. This would bring the amt. to {$91000.00}. Wells refused the offer. I will not pay for a criminal offense.

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 2019-01-03 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:
I'm having extreme trouble having two items removed from my credit report of Expireian and XXXX. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both XXXX and Experian to no avail. 

XXXX however removed them so I know its possible. I need help.

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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect this is an egregious display of greed. Here I am on a fixed income and you're trying to collect on a nonexistent fraudulent debt from a apartment complex I have not resided in for over 4 years now. 

Not only is it blatant identity theft. Its unprofessional for procollect to take upon debt collection on behalf of the original creditor without verification or even attempting to contact 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