vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 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:
You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$98.00} XXXX XXXX {$150.00} XXXX XXXX {$74.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Equifax 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Equifax is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and the dates in question are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX has called almost every day for several months stating I owe them XXXX that they bought from XXXX  XXXX. XXXX XXXX charged it off, I claimed it as additional income on my tax return per the law. I have never signed any agreement with them asking for their financial help. They tried to take me to court back on XX/XX/2017 but the attorney they hired asked the court for a voluntary dismissal. They still harass me on the phone even though I tell them I don't owe them as they have no written agreement with me as a client. This has hurt my credit rating and is against my 13th amendment under involuntary servitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. 

XXXX credit card I already paid them in full 3 years ago XXXX   XXXX Already paid them in full around XXXX of this year. 

XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: HW Holding, Inc
State: IL

Complaint narrative:
Complaint to FTC ( Hunter Warfield ) Inaccurately Reported as a lease violation to the CRAs This in fact, is a claim for damages, having nothing to do with the lease. In accordance to Furnisher Rule 660 4 ( 3 ), this is materially misleading. I have submitted several requests for proof of debt. HW repeatedly sends me copies of a bill. This is in violation of the FCRA. H.W. Has an obligation to reinvestigate this claim and verify its accuracy These Damages are based solely on accusations of H.W. clients. In accordance to an FTC opinion letter from Attorney XXXX XXXX XXXX You should be aware That a printout of a bill or itemized document does not constitute verification. In addition, H.W. made reference to the Fair debt collections Practice Act, when in fact this is a complaint concerning the FCRA.H..W. Is a law firm and knows, this is an effort to deceive and mislead me. In accordance to FCRA sect 623 ( a ) ( 1 ) it is illegal to report information that is inaccurate when there is reasonable belief that it is inaccurate. Sect 623 ( a ) ( 1 ). 
There also several inaccuracies : XXXX : listed themselves as original creditor Date of first delinquency XX/XX/2014 vs date assigned XX/XX/2014 In closing I have included a copy of my recent letters and Hunter Warfields responses. I respectfully request, they remove this from the CRAs and take me off their collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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:
These are accounts are grave errors, and were settled a long time ago ... I was appalled when I viewed my report ... how can settled accounts be sold to collection agencies?? 
The original creditor informed me that these accounts were and can not be verified, so why is Equifax still reporting?? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX {$200.00} XXXX {$59.00} XXXX {$30.00} XXXX {$480.00} XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago.

Discover credit card I already paid them in full 3 years ago XXXX XXXX Already paid them in full around XXXX of this year. 

XXXX  credit card Never been late in payment and paid them in full XXXX Paid them in full already

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have never requested to have my Chase College Checking account switched to a Premier Plus Checking account, nor was I notified of the $ XXXX monthly service fee that penalized users when their checking account holds less than a {$15000.00} balance. Yet JPMorgan Chase Bank & Co took it upon themselves to do just that and then charged me a $ XXXX monthly service fee from XX/XX/XXXX XX/XX/XXXX. When I finally caught on to what was happening I demanded to be refunded but was told their system only permits a refund for 5 months of service fees, despite this dating all the way back to XXXX of XXXX. Customers should not have to monitor their bank statements in fear of their accounts changing in ways that allow the bank to charge their accounts. I also should not have been blamed for not having caught onto Chase Banks shady behavior until recently. 

This is unacceptable, and I will see about my college, The XXXX   XXXX University issuing out a mass warning to all 45,000+ students to which Chase is currently advertising their services to. College students should be warned that when they create a new Chase College Checking account, they are in danger of their account being switched so that Chase bank can accrue monthly service fees, as is the case with Premier Plus Checking account. But most importantly warned that JPMorgan Chase Bank & Co  happily does so without the consumer 's consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened a new Amex credit card in XX/XX/XXXX and have met the spending requirements for the promotion offer ( XXXX points for XXXX spending within 90 days ) for 4 months. I contacted the Amex several times and no responses. I request the offer be honored by Amex as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I placed a freeze with ALL 3 credit reporting agencies due to the Equifax breach last year. I'm finally at the point where I want to permanently remove all freezes from these accounts. I had ZERO problems unfreezing my accounts with XXXX  and XXXX but am currently trying to undo the freeze on my Equifax account and can't use their online service and their people are only in the office Monday-Friday over the phone. I need to have background checks done to move into an apartment and think that it's ridiculous that the credit reporting agency who started this whole mess for me in the first place is the one holding me up for getting a background check done to move. CAN SOMEONE PUT THE INCOMPETENT BLOCKHEADS WHO RUN EQUIFAX OUT OF BUSINESS ALREADY?!?!?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was purchasing some concert tickets through XXXX  and the seller asked to use XXXX to transfer {$100.00} for 2 tickets in which he would then email me the tickets. I figured that XXXX had the same protections as XXXX services. I transferred the {$100.00} and the individual never emailed the tickets or responded to text messages. I contacted Wells Fargo within 45 minutes of the transaction and they informed me they couldn't stop the transaction so I am now out {$100.00} and not attending the show.

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 2018-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On the XXXX of XXXX, 2018, I was looking through the process of what it would be like to have a co-signer help me apply for an auto loan through JP Morgan Chase Bank. When I was looking through the process, the computer randomly froze and a message popped up saying Were sorry, this part of our site is unavailable right now. 
I thought nothing of it, but then when I went to check my account, I had a hard inquirie from it, regardless that I didnt E-sign anything or that it didnt even go through. 

After looking, I see now that I have more than one inquirie from Chase Bank like this one that I never consented to or knew would happen, which I find to be very misleading. The Auto Financing option should not give you hard inquiries by simply looking through their cars, options, and processes. Now I have hard inquiries on my account from not even applying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: WY

Complaint narrative:
Around XX/XX/2016 I received a call from Global client solutions saying they would get debt relief for my student loans. They say their fee was {$990.00} and I could pay it in monthly payments ( to which I have paid them in full ) They said they would file the paperwork for me to not have to pay for the loans unless I was making more than {$30000.00} a year because I was considered to be low income. Since then I have not made payments for my student loans because I thought I didn't have to that was until I recently received a letter from the department of education saying they would be offsetting my federal income tax return for nonpayment of the loans. I researched this company and found that they have been sued for this. They lied about their abilities to get my loans forgiven/ deferred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: AES/PHEAA
State: SC

Complaint narrative:
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a loan with Chase Auto. Since XXXX they have been taking automatic/pre-authorized payments. I received a XXXX letter stating that Chase was going to repo my XXXX XXXX since I missed two payments. I called them thinking they just made a mistake. I was informed that they had a malfunction concerning automatic payments. They demanded {$1000.00} plus for two missed payments. I had no clue as well as I did not have the two payments in my bank. I asked them to place the two payments at the backside of the loan and I would make extra payments like I did when I stated Auto Payments. They refused to do so. I received a Credit Report and found out that Chase was charging me {$15.00} for late payments and reporting it to Credit Companies. I called them and asked once again why they are acting like I did something wrong. They said until I pay off the missed payments I would be reported as missed payments. I have been making extra {$100.00} payments to get the loan paid. How does a place as big as Chase miss taking payments and then threaten to take my car that I made payments for three years and ruined my credit that I was charged 24 % on a loan and refused a line of credit from my bank because of Chase making a error. I have sent letter to Chase and they have not given me any way to resolve the problem. Please help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I transferred a balance from an account I had with another Bank in the amount of {$1500.00} to Sears Credit. I was taking advantage of Sear 's promotional 0.00 % Promotional APR on balance transfer until XX/XX/2019. This month I received a bill stating that the monthly minimum payment is {$27.00}. I immediately called Sears numerous times disputing the {$27.00} monthly payment. I told the Sears staff that I had been doing transfer balances on other banks and never been charged a monthly minimum payment on a 0.00 % APR promo. They insisted the minimum monthly amount of {$27.00} is correct.

I feel that this is a deceptive way of getting customers to sign up for balance transfers. I would not have signed up for their balance transfers if I had known of this deception. 
Would you kindly look into this? Thank you. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: SC

Complaint narrative:
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran

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 2018-09-16 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: SC

Complaint narrative:
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: SC

Complaint narrative:
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran

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 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
OCWEN HAS CONSTANTLY REPORTED MY ACCOUNT BALANCE INACCURATE EACH MONTH ON MY CREDIT REPORT I DO BELIEVE THAT THIS IS DISCRIMINATION AND A RACIAL INTENT TO HINDER MY SCORE. I PAY MY MORTGAGE ON TIME EACH MONTH I HAVE CONSTANTLY REACH OUT TO THIS COMPANY TO HAVE MY LOAN INTEREST RATE REDUCED RATE IS 12.4 PERCENT WHICH IS CRAZY AND THEY CONSTANTLY STATE THAT THEIR IS NOTHING THAT CAN BE DONE./ THIS COMPANY IS A PREDATORY LENDING COMPANY AND SOMETHING NEEDS TO BE DONE. THEY CONSTANTLY DO AS THEY PLEASE WITH REPORTING INACCURATE INFORMATION AND USING RACIAL DISCRIMINATION FOR THEIR OWN FINANCIAL GAIN. I HAVE REACHED OUT TO THE COMPANY AND THE OMBUDSMAN AND STILL HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation

Company response to consumer: Closed with explanation