vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion and XXXX have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not  reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ).

FCRA 609 ( a ) ( 1 ) ( a ) requires XXXX and TransUnion to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither TransUnion or XXXX  has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.

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 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
Fidelity National Title Insurance Co. Close Date : XX/XX/2005 Buyer : XXXX XXXX and XXXX XXXX, XXXX Seller : XXXX XXXX, XXXX There are two Incoming Wire Reports that have no account information and no traceable history of where the funds originated from. We have the complete escrow file but these two transfers do not include Bank Routing, ABA Number, Account Numbers, Transaction Summary, Withdrawal Slip or Bank Deposit Slip. The first wire was {$280000.00}. We subpoenaed the bank accounts going out of the purchaser 's account and into the escrow account, but a transfer of funds are not present in either bank accounts. The second wire was for {$560000.00} We subpoenaed the XXXX of the company that supposedly sent the wire and their records say a check/wire for {$560000.00} was sent to escrow. The XXXX and the incoming wire report from the escrow file don't match nor is there any history of where the money comes from. The subpoenaed bank account for the escrow account does not show that {$560000.00} was deposited into the escrow bank account. The escrow co. provided a hand written note on the incoming wire report " {$560000.00} Lender/XXXX XXXX '' but this is not the correct deposit name and amount according to QuickBook details. We have written numerous emails to the escrow co. requesting the history of these two deposits but unfortunately no documentation has been provided. The escrow company claims no traceable history for these deposits because they were in-house Book Transfers / XXXX to XXXX. Our deposit of {$280000.00} was transferred to the escrow bank account and it was also an in-house Book Transfer / XXXX to XXXX the escrow file contains the Transaction Summary, Account numbers, Withdrawal slip and Deposit slip. Why wouldn't the other two Book Transfers include the same details as our Book Transfer? The Arizona Department of Financial Institutions recommended that we file this complaint. They have also requested the escrow co. to provide the account details for these two deposits. The amount in question is {$840000.00} or {$840000.00} ( depending on which total you use ) without any traceable history of where the funds originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
I'm traveling overseas and I've been locked out of my account so I can't pay the credit card. However, I'm being charged {$25.00} late fees now ( I know this through my XXXX account ).

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 2019-01-16 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: U.S. BANCORP
State: WA

Complaint narrative:
I ordered something on XX/XX/2018 and cancelled it in the morning. Since it was a international transaction, I cancelled the order and called my bank first thing in the morning to give them a heads up. The company said since it's a international transaction, it'll take 2-3 weeks to get a refund. I never received my refund and the company stopped replying to my emails. I called my bank and they marked it as a fraud case and wanted me to prove the merchandise was counterfeit, even though I never received it. After several months of back and forth, I finally got in touch with a supervisor who listened and realized the reason my claim kept getting denied was because it wasn't a fraud case and instead just a dispute, she said I'd get my money back in a few days but I never did. I've been calling US bank and staying on the line for hours waiting while my call is transferred to the correct department only to be picked up by voicemail -- apparently their dispute department only works couple hours a week. 

I just want my {$330.00} back from US Bank. I called them when I cancelled my order and I never received the merchandise ( i cancelled it ) and never received my refund from either side. I'm not sure what actions I can take to get my money back.

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 monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX  and Equifax have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ). 

FCRA 609 ( a ) ( 1 ) ( a ) requires Equifax and XXXX  to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither XXXX  or Equifax has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One and XXXX XXXX has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I tried to get all credit bureau to get this collection agency to verify that I owe the debt multiple times, by having this collection agency mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. And received a letter from agency offering a discount to settle sent home but no verification. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies. 

Attached is a copy of the last letter received from collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have applied for a prequalify credit card with chase bank and it said it wouldnt put a hard inquiry on my credit report an they did! And they put 4 hard inquiry on my credit. Once is in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is redicules XXXX XXXX said I could see if I pre qualify and said it wouldnt hurt my score an it made an hard inquiry!! I need this taken off immediately!! I wanted to improve my credit score not harm it! Im a collage student! And I will like a response back or a call back XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Consumer Finance Protection Bureau This is not a duplicate complaint This is an additional complaint to Experian Company has taken more that 30 days, company claims sent documents Documents never received after XX/XX/XXXX as they claim Since XX/XX/XXXX as of Today 's date XX/XX/XXXX no information received as Experian claims that sent via US Postal Service .33 days have lapsed No information received from Experian, Experian has not provide company toll free number through CFPB portal Only their mail in address 1-Experian documentation never received as they claim 2-Experian did not provided their customer toll free number, as requested Making more difficult communications Please provide me with Experian toll free customer service phone number This matter is causing delay on behalf of the company Thank you 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 2019-01-16 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: NV

Complaint narrative:
Experian is reporting the credit limit, past due amount and high balance of this account XXXX/XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

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 2019-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I trying to opt out of XXXX on my online banking because i rarely use it i told the rep to opt out those emails and she refused and refused me to get a supervisor and i told her i want to opt out of XXXX i told her that i NEVER use it and I just don't want any emails about XXXX i want to opt out of these emails which states by law Opt-In Requirements and Permission. The CAN-SPAM Act allows direct marketing email messages to be sent to anyone, without permission, until the recipient explicitly requests that they cease ( opt-out ). Direct marketing email messages may be sent only to recipients who have given their prior consent ( opt-in ).

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 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have an inherited IRA held by J.P. Morgan. In XX/XX/XXXX, I provided paperwork to XXXX XXXX to transfer the IRA to XXXX XXXX. I was informed by XXXX XXXX that J.P. Morgan had  refused the transfer, and had done so for an improper reason. J.P. Morgan claimed that it did not have my mother 's name on the account. ( This is difficult to understand since my mother held the account at J.P. Morgan before she died. ) First, XXXX XXXX asked J.P. Morgan to complete the transfer. Second, on XX/XX/XXXX, I called J.P. Morgan at the number it had provided, but I was unable to leave a message. Third, the same day, I emailed J.P. Morgan. I have received no reply. I need to promptly complete this transfer. 

XXXX XXXX 's explanation is copied below with identifying information omitted : On Fri, XX/XX/XXXX at XXXX XXXX XXXX wrote : Hello Mr. XXXX, I work with XXXX at XXXX XXXX in XXXX, WA. I am handling the transfer of your Bene IRA from JPM to XXXX. I received a phone call today from my back office letting me know that JPMorgan has declined/rejected the transfer because THEY do not have XXXX s name listed on your account there.even though it is a Beneficial IRA and they would have needed her information at the time the account was opened or funded. 



This is, in my opinion, an unacceptable reason to reject, since they have the ability to correct the title on their end. Apparently, they are choosing not to do that. 



I made several phone calls today hoping to avoid you having to contact them, but Im told you must call or e-mail them and request that the title or stencil information be corrected to include XXXX s name, then we will be able to resubmit the transfer once that has been done. 



Here is the contact information I was given for JPMorgan : E-Mail : XXXX Fax : XXXX Phone : XXXX I would be more than happy to join you on a conference call to JPM, at your convenience, if you would like my assistance dealing with them. 



I look forward to speaking with you next week so that we can get this transfer back in process. 



Thank you, XXXX Registered Senior Client Associate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weinberg Mediation Group LLC
State: VA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX. from and XXXX left me a voicemail which INCLUDED last digits of social security number. 

Voicemail is saved for documentation purposes.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I  started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned  within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my  questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

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