vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-30 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: MI

Complaint narrative:
I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX 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 2017-04-30 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: MO

Complaint narrative:
I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

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 2017-04-30 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: MO

Complaint narrative:
I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

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 2017-04-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello my name is  XXXX   XXXX , my phone number is  XXXX . My wife opened a credit card under her social security number with cap ital one, she asked capital one a few weeks ago if she could add an authorize use to the account. I was present when my wife asked capital one and they said she could a dd. My wife asked the representative over the phone that if she added me as the authorize user and if my ssn was needed or was this credit card going to be reported to the my ssn. The representative advised my wife that she was the responsible party for any charges made by the authorize user and that they capital  one did not need ssn, but just the name ( my name ).      Now I am in the process of buying a house and  my credit score was dropped because capital one added my wife 's credit card t o my ssn without my ssn. She did not give the agent my ssn when she added me as an authorize user. I called ca pital one an d try to explain them the situation, but they are unwilling to make the changes to my credit report. They refuse and they are no making me responsible party for a credit card that I never signed up. Please help me. The credit card account that they reported to my credit without my authorization ends with  XXXX . Please help me. As a young couple we are trying to buy our first home, but with my  credit score bei ng reduced by this, I feel I wo n't get the best rate that the bank has to offer. Please help me. I even asked the supervisor  XXXX , ID -  XXXX  to listen to the call when my wife call ed capital one two we eks ago and she only gave my name and not my ssn or date of birth. Capital one just added my wife 's credit card to my SSN without an SSN being provided during the call. I do n't think I am the only person that is having this issue with capital  XXXX  ne. They are trying to cover this by advising people to file a dispute and it should take about 6 months to hear an answer from capital one. The time frame that capital one has pr ovided is unacceptable and I need your help to find a resolution to this issue. Thank You,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
In the fall of  XXXX , my wife received pre-authorization for a medical procedure from her medical group,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  The procedure was performed by a subsidiary of  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . THIS WAS A FULLY COVERED PROCEDURE, but we received a bill for the full amount, {$1300.00}.      XXXX  claims the payment was made ;  XXXX   XXXX  claims it was not. Our insurance provider,  XXXX   XXXX  of California has been unable or unwilling to resolve the dispute, despite my wife 's repeated calls over the course of a year and a half -- including three-way conference calls.     On  XXXX   XXXX ,  XXXX , with the bill still unpaid, my wife filed a letter of grievance with  XXXX   XXXX . Again, this produced no conclusive action. The bill has now been sent to a collection agency, who has added interest to the original balance. It bears repeating that this was a FULLY COVERED, PRE-AUTHORIZED PROCEDURE.     This is NOT a small matter of a book-keeping error. It is my firm belief that  XXXX  or  XXXX   XXXX  or  XXXX   XXXX  or perhaps all three are engaged in MEDICAL INSURANCE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: MI

Complaint narrative:
I have a lot of student loans on my credit report. There are  9 student loan payment that is listed on my report that has late payments on each one for   9 Months the dates are from  XXXX   XXXX   XXXX   XXXX  and also  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I have faxed them my police report and I have occur inquiries on my report that I did not authorize. Before anything is done on my credit I am suppose to get a phone call but I do not. I also was suppose to have a block from any other credit inquiries being done so nothing new will pop up. No inquiries or no new credit application unless approved by me. Please remove The inquiries are  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX -   XXXX   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 non-monetary relief
Consumer complaint received 2017-04-30 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: CA

Complaint narrative:
We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.

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 2017-04-30 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: Navient Solutions, LLC.
State: HI

Complaint narrative:
Keep getting disconnected from  Navient whenever I call to apply for inco.e driven repayment but then will be bombarded with calls saying my student forgiveness is ready or forbearance has been ok 'd and I never ok 'd anything ever. This has happened for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day.   If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame  may  be extended by up to 15 days to give the source sufficient time for review.   Once it is completed,  XXXX  will notify you of the results of the investigation by mail at the address you provide ''.     30 days plus  15  additional days were also past they resonponed on   XXXX   XXXX   I disputed in late   XXXX   XXXX     when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on   XXXX   XXXX   XXXX     and never heard back until   XXXX   XXXX   XXXX      two  days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on  XXXX   Reference  :   XXXX   XXXX     XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRSTBANK
State: AZ

Complaint narrative:
The following is what is showing on my credit report. I have NEVER had a line of credit with  First Bank.  I have tried, repetitively, to have the account removed or validated and all I get in response is a letter saying that I am being 'frivolous ' and they are not going to remove the debt. They have never sent m e ANY proof th at the debt is mine.    XXXX  Condition Derogatory Responsibility Individual Current Balance  XXXX  Original Balance  XXXX  Limit   XXXX   Monthly Payment  XXXX  Last Payment  XXXX / XXXX / XXXX  Status Collection / Charge-Off Loan Term  XXXX  Loan Type Line of credit Opened  XXXX / XXXX / XXXX  Reported  XXXX / XXXX / XXXX  Remarks Charged off as bad debt|Profit and loss write-off Creditor Information FIRST BANK OF COLORADO  XXXX   XXXX   XXXX   XXXX , CO  XXXX  Phone  XXXX  :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called in several times to Equifax and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in  XXXX  of  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Sometime between the  XXXX  of  XXXX   til  the  XXXX  of  XXXX  in   XXXX  , Chase closed  5  of my credit card accounts ( Chase   XXXX     XXXX ,  Chase Freedom ,  XXXX ,  XXXX , and  Chase Freedom   XXXX  ) that I have with them without any notice. I did not receive any emails or letters about why. On the  XXXX  of  XXXX , I called  Chase  and they informed me that they could not provide me with any assistance. I spoke with  XXXX . I attempted to get her employee ID or her last name in order to reference the call, however she hung up on me. She refused to escalate my call to someone who could possibly help. To this date on the  XXXX  of  XXXX , I have mad e 3  separate phone calls to Chase and it ranged from not providing any information to having too many credit cards. However, I find this incredibly hard to process because they recently just increased  one  of my cards from  XXXX  dollars of credit to  XXXX  and also approved me for  2 o ther cards, which they could have just denied. I have never missed a payment, always kept my utilization at less than 2 %, and paid off my balances before the statement. I would at least like to keep my oldest cards with Chase so that it does not severely impact my credit as I only have about 2 years of credit history and one of my oldest accounts is with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 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: TX

Complaint narrative:
I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017

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 2017-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a credit reporting alert from credit collection services.   The are trying to collect {$600.00} for  XXXX   XXXX .     I do n't have any accounts with  XXXX  or owe them any debt for services. I believe this is another instance of my identity thief ordering services using my credentials.     I called  XXXX  early this year (  XXXX   )  regarding the account but it has n't been resolved and I keep receiving collection notices and payment delinquency damages to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits

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 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.

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