vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 

Bankruptcy Chapter XXXX Discharged - - Court US BKPT CT GA XXXX XXXX - Reference XXXX - - Responsibility Individual

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 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my 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 2019-06-12 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:
To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to get copies of my detailed credit report and score from XXXX, XXXX, and TransUnion since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus 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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to get copies of my detailed credit report and score from XXXX, Equifax, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: HOVG, LLC
State: MD

Complaint narrative:
Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation. 
no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX should remove promptly from my report. 
1ST XXXX XXXX  XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: VA

Complaint narrative:
Equifax and XXXX  are falsely reporting late on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
My mortgage company, XXXX, changed to PHH Mortgage. PHH never answers the phone XXXX and I cant make a payment on line until after I make a payment online. I submitted a complaint to them online regarding getting my escrow information and they took over a week to unsatisfactorily get back to me. I believe XXXX has made this change to purposely cause people to not be able to make their mortgage payments on time.

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 2019-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a {$16000.00} payment to loan ending in # XXXX. The new balance dropped from {$25000.00} to {$9100.00}. My monthly payment was to change from {$160.00} to {$61.00}. The monthly payment has not changed as of XX/XX/2019. I called Navient in XXXX, XXXX and XXXX to ask why the new payment based on the reduced principal amount is not reflected in my account. Every time I have called, the Navient representative misinformed me that the reduced payment would take effect the following month. However, that has not happened, now three months later. I have overpaid {$210.00} towards this loan between XXXX and XX/XX/2019. I would like Navient to reimburse me {$210.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I contacted American Medical Collection Agency on Friday, XX/XX/2019 to pay for an outstanding balance with XXXX XXXX. The initial bill was reduced from {$1000.00} to {$150.00}. I gave AMCA representative my card and he gave me a confirmation number XXXX that the account is paid in full. On Tuesday, XX/XX/2019 I noticed that I was charged twice. I called AMCA and spoke with 2 representatives who assured me that they would review and take care of the double charge. The same day I emailed them a printout from the bank showing a double charge. To date, they still have not refunded the overpayment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: ME

Complaint narrative:
I have been having health issues which included a 6 hour XXXX. I have also received a reduction of my social security benefits. I have explained to this company on several occasions I am in the hospital and they stated to me that the calls will continue, although I requested to not be bothered right now, as XXXX is the last thing I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX and Transunion are falsely reporting late on the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is  impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: OH

Complaint narrative:
I work with XXXX so long year, after sent he has been provided me " Cancelled '' so I never get result any time Nowadays I can not log in, I don't want use his site I want know last all transfer I had using with many amount where they go. Now he can send more 200 countries. When used he only send 63 countries I had save print few copy. Are they can pick up when I ask

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My US Airways credit card was switched to a XXXX XXXX credit card which I received automatically in the mail ( I did not sigh up for it, it was generated once the two airlines merged ). 

In one year I was charges {$2000.00} in interest fees for {$250.00} in actual purchases. 

I am being charged 27.24 % interest on the card, almost 30 % which is much higher than I was charged by US Airways.  Therefore the card has generated thousands of dollars in interest. 

The interest is related to the predatory insurance amount. It does not look like they honored the interest rate I had previously. 

Also the USPS mail carrier failed to deliver mail in XX/XX/2017 due to a dispute between mail carrier and the US Post Office over building access ; the USPS carrier did not have the key to access the apartment building mail and he sent back mail mark undeliverable, which caused my card statement to be sent back and I missed sending payment. I contacted all my card companies to notify them of the issue with mail delivery and I notified the USPS Postmaster to file a complaint about being charged higher interest due to the US mail delivery mistake, and I was told by my credit card company that my credit would not be affected and they'd send paper statements out to replace the returned statements. 

Even with that the 28 % interest is extremely exorbitant and predatory.

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 2019-06-12 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: WA

Complaint narrative:
When went to purchase a ticket on XXXX XXXX website there was a offer for United Credit Card saying {$250.00} credit plus can get XXXX miles using the card. Both my wife and me signed up for this card using the link. After about week and half later got approved and now they say the offer is different XXXX miles. Called chase and they tell me that I used wrong link asked to sent me information showing our application with the link but they say they can not provide that to us. And this is their final decision. When talked to chase executive services she told me that offer for {$250.00} is still going on but she could not show me on the website where the offer was and I could not see that offer anywhere on United or  chase website. Looks like Chase is changing the offer. I even seen them a screen shot of the link where we signed up for the card stating the offer, but they can not provide me with their information showing that I used wrong link.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased two water heaters for installation by Lowe 's Home Centers on XX/XX/19. Listed below are my concerns that Lowe 's has not corrected : 1. Water heaters delivered face down in truck. Manufacturers .guidelines on box state that water heaters are never to be laid down.

2. Rusted T valve used to connect two brand new water heaters. I asked the installer to use a new one but he refused. Wood blocks were used to hold up this T valve. According to the manufacturer no combustible materials are to be used next to a gas water heater.

3. Lowe 's sent out two bent up pans to be used for the installation, but installer had to go out and buy two new pans that were not what the manufacturer recommended.

4. Vent Pipe to ceiling and roof has a hole that should not be and should have been adjusted 5. I sent in a rebate form that was printed out at the time of purchase and mailed it in during the time specified in order to get the rebate. Lowe 's installed sales manager cancelled this receipt on my credit card without my permission. It was rebilled after the dates to qualify for the rebate. I have asked Lowe 's to comply with the terms of the rebate offer and give me the Lowe 's credit card I am due. They do not want to comply with the terms of the offer.

6. I have requested an original copy of the adjusted receipt but have not received it. Since this affects my credit card I have a right to receive the original adjusted receipt.

7. The company Lowe 's hired to install the two water heaters should have pulled a permit before the work was started. They pulled a permit 5 days after they installed it. When I called the permit company I found out this company did not have a valid license on file and that there insurance was not current.

8. Installed sales manager told me recently that she was writing a work order for the company XXXX XXXX to come back out and make corrections but she has told me that they are now refusing to come back out to make corrections.

9. I found out after purchase of these two water heaters that the manufacturer has had problems with their gas water heaters and many have been recalled. Lowe 's did not tell me this.

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 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2019 I went to tour a home for rent. I liked the home got the lease and paid deposit through XXXX at my bank Chase. I was frauded. I contacted my bank Chase the same day and was told that my money was just gone and they couldnt help. I gave XXXX. XXXX application fee and XXXX deposit. How can the bank support a problem that has no security. The money was sent to XXXX ( XXXX ) XXXX Through Chase XXXX the fraud person name is XXXX XXXX. I filed a police report with the XXXX Police Department in Georgia. My bank just left me hanging, wouldnt provide me with any information concerning where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
On XX/XX/2019 I sent a written request to have the private mortgage insurance ( PMI ) removed from my mortgage account with Sierra Pacific Mortgage. On XX/XX/2019, after several calls to follow-up with the mortgage company, I finally received a letter with the information on the PMI removal process. In the letter they requested a check for {$420.00} for the appraisal. On XX/XX/2019, I sent a check for {$420.00} and it was cashed on XX/XX/2019. Almost 30 days after the check was cashed, I received a notification that because of the complexity of my appraisal they needed another {$150.00}. There was no explanation as to what made my appraisal " complex '' or why the appraisal fee was more than we I made a similar request a year prior. I sent a check for {$150.00} on XX/XX/2019 and it was cashed on XX/XX/2019. They seem to be able to cash my check very quickly, but their follow up customer service is terrible. I have now followed-up several times to schedule the appraisal and get this completed and was last told on Monday, XX/XX/XXXX that I wouldn't receive a response until XX/XX/XXXX or later. I said that was unacceptable - I have waited since XX/XX/XXXX to have this completed only to be delayed left and right by Sierra Pacific. It should not take four months to have an appraisal done on a home. I told them if I didn't get a call by end of business on XX/XX/XXXX I would file a claim. They said they would escalate it to management. I never received a call. I feel this delay tactic is a ploy to get more money from me from the PMI. I also feel I will end up at a disadvantage because by the time they may finally schedule this appraisal, the housing market may have cooled down and the value may not be where I need it to be. I have a low interest rate on this mortgage and I feel they are using these tactics to force me into refinancing the property which would cause me to pay them even more money than I have already spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
I received an email about a loan/debt collection from a person claiming to be XXXX XXXX from National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX However, the email does not say who the original debt is supposed to be with and threatens legal action if not paid within 24 hours. The email also includes the last four digits of my social security number. 

I believe this is an email scam attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested to credit agencies several times that my name reporting is wrong. I have called, fax documents and nothing has been done. I have only had 2 legal names in my life one is XXXX XXXX XXXX and my married name is XXXX XXXX, I have never used any other names, like you guys report in my credit, I need for equifax to comply with my request and please, move forward with my request.

Company response to consumer: Closed with explanation