vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the XXXX. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX  XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has my account unbelievably wrong. It started XX/XX/XXXX. They have removed all of my credit history. I show only one credit card with XXXX. 
They are ruining years of perfect credit history. They show me as a XXXX score, but look at XXXX? I am and always have been XXXX or better. I've reported them to XXXX with no resolution. I've contacted them eight times about this mistake. XX/XX/XXXX they sent me a report listing all my history which displays why I am so upset. The history was correct on this report? Still they report publicly a XXXX score. Vindictive reporting about me for unknown reasons. I am extremely tired of fighting with Trans Union about this. The other two reporting agencies have my score correct when companies contact them showing XXXX and XXXX FICO SCORES. I WANT THIS RESOLVED! I don't know what their problem is maybe because of my conservative party views? 
Please help me. I am at wits end fighting Trans Union. They just won't admit they have lied about report for 6 months. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Texas

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 2018-06-05 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: FL

Complaint narrative:
On XX/XX/2018..I called transunion and expressed to them the concern I had about inquiry in my credit..Customer service would not help take off the negative inquiries reporting on 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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank put a fraud alert on my card new Citi Bank American Airlines Platinum Advantage Card when I tried to use it. When I called Citibank to verify my purchase and my identity they had no response as to why they had set a fraud alert, and further said that because my phone number had changed, we could only verify my identity if I gave them one of my other bank account numbers. I was hesitant to do so, but they said that was the only way. Together we called my XXXX XXXX in the U.S. to verify my identity using my social security number, bank account number, and address. After my identity was verified by XXXX at XXXX XXXX, Citibank told me that they still would not remove the fraud alert because of my changed phone number. I told them that I could not " unchange '' my phone number and had complied with their every request in verifying my bank account and social security number. Several managers and a supervisor repeated that although I had verified everything, that my " phone number had changed '' and said an alternative would be to send a letter from the United States to XXXX XXXX where I am currently located trying to use my card to pay for a flight to the XXXX ( and where I have a XXXX XXXX phone number that Citibank was still refusing to call ). As I told them I was in the midst of trying to book a flight and traveling and could not receive any letter from the U.S, I wanted to immediately cancel the card. They told me I could not cancel my card since I had changed my phone number. They said I could neither use my card nor cancel the card. This is the worst experience I have ever had with a credit card, and one that not only prevented me from purchasing a needed air ticket, but may lead to late charges since they won't allow any access to my account, or even allow me to cancel my account. Let me reiterate that I did nothing wrong in trying to use my credit card -- it was Citibank who put the Fraud Alert on t he card and has no made it impossible for it to be removed although I complied with their every request to call my bank using my bank account, social security number, and address for their false fraud alert. There is no way for me to " unchange '' my phone number so this problem is unresolved. Also, according to legal ways of verifying identity- a phone number is not one of them. I need immediate assistance please as every phone call with CitiBank has not resolved this issue.

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 2018-06-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was making a hotel booking at the XXXX XXXX hotel chain. I found a good deal and was looking at prices. I saw they were advertising the Chase Bank credit card for XXXX. I clicked on the offer and was taken to Chase.com website. I took a screen capture of the offer where they offered 3 free nights after spending {$5000.00} on the card on 3 months. My application was submitted successfully directly with Chase and I got approved for the card. I called Chase to confirm the 3 free nights and the lady on the phone ( XXXX ) told me she didn't see the 3 night offer and to send chase a private message through my online account portal. I did and they replied that they needed to see a copy of the promotion. Thank XXXX I had taken a screenshot so I sent them that and after that they said they couldn't honor the offer. This is classic bait and switch and has left a very very sour taste on me, to be gamed this way but what I thought was a prestigious bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I request validation of the debt reporting negative on my credit reporting from an agency, XXXX XXXX XXXX, {$970.00} acct # XXXX, who purchased the debt from XXXX XXXX original acct # XXXX XXXX XXXX XXXX XXXX, FL XXXX on numerous requests, last being XX/XX/XXXX. On XX/XX/XXXX I got a letter from XXXX XXXX XXXX of deletion they couldn't validate the debt, nor send me any information pertaining to this line of credit that they are reporting negatively on my credit reporting. I instructed and showed proof to all 3 major credit bureaus, as of today XXXX deleted it, however XXXX & XXXX still showing, they claim the creditor updated and all information is accurate and consumer still owes. I have no knowledge of this so called purchased fraud debt which XXXX XXXX is reporting. I also Filed with Federal Trade Commission as a result of this matter not being properly handled and Fraud was placed upon all 3 of my Credit Reportings.

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 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Attempting to be added to the current Navient class action CFPB v. XXXX XXXX, Navient Solutions , Inc., and XXXX XXXX XXXX XXXX. ( collectively defendants ). 

Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below ( Loan type, school attended, original amount, principal balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL OUTSTANDING BALANCE OF LOANS THAT NAVIENT SERVICES : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.

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 2018-06-05 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: TX

Complaint narrative:
I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.

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 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I believe Wells Fargo had unaccounted for the fact that I was not part of the Homestead Exemption Scheme of which I am now. I believe Wells Fargo had fix my monthly mortgage repayments to reflect that fact that I have applied for this scheme just as the previous owners had done so. Once I was over a year and a half living in my home I got a message saying that there was a shortage in my escrow account and that I was due to pay just over {$3800.00}. 
I understand how the escrow system works and also understand the process of the automatic payments they make on my behalf to the relative county tax service. What I am unsure of is how a bank can set a fixed 30 year loan and not realize that they made a mistake and then pass it back on to the consumer. I know that mortgages even though they are fixed can fluctuate due to property tax increases and the such, but not over {$400.00} a month. 
I would like to know if the bank is the one liable to pay for this money considering they seem to be the ones who made the mistake and did not make me aware of this Homestead Exemption at any time. 
I have contacted my local tax assessors office and they have looked into my property and noted that I am due a refund, however this refund barely covers the total costs that Wells Fargo is saying I owe them

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 2018-06-05 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: GFS II, LLC
State: MO

Complaint narrative:
There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation