vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have paid memberships to XXXX XXXX experian.com and XXXX. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my experian & XXXX  reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. Experian & XXXX are my lowest scores. The second item is on experian under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on XXXX and equifax. So how can that be. A third problem with experian is every time I pay down or off a balance my score will go up on XXXX & equifax but my score goes down XXXX to XXXX points on experian for the exact same positive item. Every time I speak with experian or XXXX XXXX they put the blame on one another and nothing ever gets resolved

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 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
I just want keybank to partner with the new app called XXXX. I think it a really convenient application .i would really appreciate it if we could use this application

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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:
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.

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 2017-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for
Performance. What Performance! I have been struggling to pay!! Are they telling me one t
hing and doing another and pocketing the other money? It just does n't feel right! Please investigate  this process!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
I have a number of inquiries that I did n't authorize.. I have made a number of calls to Trans Union explaining I was a victim of Fraud and it has affected my credit and tax returns. Trans Union refuses to help. The following inquiries are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. Obtained a loan for a new car in XX/XX/XXXX with Chase Auto Loan. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from Chase as well for the car ( document attached ) 6. A check was sent to Chase Auto in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. On XX/XX/XXXX the Chase auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from Chase thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from chase and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from Chase, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to chase between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when Chase had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. Chase began to mark my credit report falsely and incorrectly with the Credit Bureau XXXX  between XX/XX/XXXX and XX/XX/XXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with chases corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that Chase is not willing to remedy. It is my hope that you will be able to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: VA

Complaint narrative:
Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have paid memberships to XXXX XXXX XXXX and transunion. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my XXXX & transunion reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. XXXX & transunion are my lowest scores. The second item is on XXXX under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on transunion and XXXX. So how can that be. A third problem with XXXX is every time I pay down or off a balance my score will go up on transunion & XXXX but my score goes down 25 to 35 points on XXXX for the exact same positive item. Every time I speak with XXXX or XXXX XXXX they put the blame on one another and nothing ever gets resolved

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have provided Experian and XXXX proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. Experian and XXXX get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against XXXX and Experian for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. XXXX and Experian need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need Experian and XXXX to adhere to the law and immediately remove this fraudulent information from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I made a payment to Navient for XXXX. I received a payment notification that all was fine, and that my first payment was successful. I then receive a letter 4 days ago saying that my payment was overdue. I just checked my account and they reversed my payment without notifying me, when there were ample funds to cover the payment. Worst of all, this was reported to the credit bureau and it absolutely tanked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cianfrone, Nikoloff, Grant, & Greenberg, P.A.
State: FL

Complaint narrative:
in regards to case XXXX. XXXX XXXX XXXX, XXXX, Florida. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX VS XXXX XXXX ( PRO SE ). Plaintiff law firm of Cianfrone, Nikoloff, Grant & Greenberg ( XXXX XXXX XXXX ) is a confirmed DEBT COLLECTOR as stated on their signature on emails as well on court documents. They were NOT hired by the condominium Association. As of this date they have violated several areas set by the FTC. They refuse to contact the opposing attorney ( myself acting pro se ) in setting court dates for hearing. They are after a debt which was written off many years ago by the condominium association. They receive a percentage of the debt if they win. The law firm is trying to also get ridiculous attorneys fees as well and astronomical interest added to the original debt owed which was written off. They are unethical, unprofessional, liars, cheats and your typical debt collector violating the agencies whom over look them. 

I have all of the paper work if you need to see.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-30 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.

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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
Transunion did not contact me within thirty days for tbe dispute that forward to them on XXXX/XXXX/2017 by CFPB. I only wanted them to also take care of issues with the credit inquiries and they did n't do so. I am trying to make sure Transunion is in compliance with having good records of my credit information. They have yet to provide anything and thirty days has pass.

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 2017-07-30 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: FL

Complaint narrative:
1. Obtained a loan for a new car in XX/XX/XXXX with XXXX XXXX XXXX. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from XXXX as well for the car ( document attached ) 6. A check was sent to XXXX XXXX in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. OnXX/XX/XXXX the XXXX auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from XXXX thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from XXXX and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from XXXX, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to XXXX between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when XXXX had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. XXXX began to mark my credit report falsely and incorrectly with the Credit Bureau Experian between XX/XX/XXXX and XX/XX/XXXXXXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with XXXX corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that XXXX is not willing to remedy. It is my hope that you will be able to assist.

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