vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
For almost a year, Transunion has been unable to resolve a system error that has left my credit report permanently frozen. While I requested the initial freeze, Transunion will not lift it no matter how many requests I make. I have contacted Transunion on numerous occasions to life the freeze and the system error is never resolved. I can not lift the freeze via their website ( I have tried to lift it permanently and temporarily ) and I have called several times and been left on hold or transferred each time for up to an hour per call without the issue being resolved. I can not apply for new lines of credit as a result and this is holding up an application to refinance my home loan. Transunion has made absolutely no effort to reconcile this problem.

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 2019-11-08 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: TX

Complaint narrative:
I had submitted a formal request for debt validation in XX/XX/2019 to XXXX XXXX. They never responded to me and then I requested to have it removed from my credit report. Equifax did a 3 day dispute and kept it on my file even though i dont believe the debt is mine and it was never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit

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 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Ticket # XXXX XXXX XXXX XXXX TN I have an auto loan with your company. I make weekly payments on line. The payments are going toward the principal not the entire loan balance. I was charged late fees and sent a past due letter. I was advised I will have to call every month to charge how the weekly payments are made. I was advised that there was no way to change this unless I called each month for the next 5 years. I was on the phone for 2 hours trying to correct the bank 's mistake. I'm VERY UNHAPPY with your company and the way my loan is being handled by people I can not understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
I had a summons to XXXX County General Sessions Court today regarding the plaintiff XXXX XXXX   vs XXXX XXXX. XXXX XXXX  mailed new a letter stating ; the account has been charged off and Zwicker & Associates is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Zwicker & Associates. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Back in XX/XX/2018, I found that an acquaintance of mines was stealing my cards out my purse. I notified Chase of numerous of unauthorized charges and they told me that they couldnt reverse because it was over 60 days old. 
Im just notifying your company cause I just found out about your agency. 
My acquaintance was arrested and charged for stealing my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: IL

Complaint narrative:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: WV

Complaint narrative:
I had called Navient several times from XX/XX/XXXX-XX/XX/XXXX to try to lower my monthly payment for my student loans. The resolution given to me was always to choose forbearance and without being very knowledgeable about the interest that would accrue or what my other options were I agreed to the suggestion of Navient representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is reporting a mortgage as owing when their own release shows it is not ( see enclosed ). Chase is reporting the item as delinquent and still owing in a malicious attempt to ruin my credit ... 

CHASE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/2019 my mortgage increased from {$870.00} to {$1100.00}. I was told by a Ditech LLC representative that it increased due to escrow and my property taxes went up by {$2000.00}. I have requested documents on the formula that was used to calculate my new mortgage amount and they keep giving me the run around and stating that they sent out letters back in XX/XX/2019. I haven't received any letters other than offers to refinance. I explained to the representative that my mortgage rate is fixed and there is no way my mortgage went up by {$270.00} per month. I asked to speak to a manager and I was told there weren't any available. I would like to resolve this matter to include an itemized form as to how they calculated my new mortgage payment. After doing some research this is a shady practice that this company is known for. They have since filed for bankruptcy and has sold my mortgage to another company but I still make payments to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Wrong address

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 2019-11-08 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: IL

Complaint narrative:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX  XXXX inaccurate

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 2019-11-08 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: IL

Complaint narrative:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate

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 2019-11-08 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: TN

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Subject : Cash earned or built up from Walmart Discover Card  ending in # XXXX. This card was originally managed by G.E. Capital Retail Bank until it was transferred to Walmart Master Card ending in # XXXX and managed by Synchrony Bank. My current Walmart credit card # XXXX was originally managed by Synchron Bank, but is now managed by XXXX XXXX. 

The last statement I ever received from Credit Card # XXXX with a closing date of XX/XX/XXXX showed that I had a cash earned balance of $ XXXX. This credit card built up cash from month- to -month as my previous statements show. ( I have all of the statements ). I received a postcard in XX/XX/XXXX saying this Walmart Discover Card was changing to Walmart Master Card and could not be used after XX/XX/XXXX. This Credit Card # XXXX had been managed by G.E. Capital Retail Bank until Synchrony Bank took over in summer of XX/XX/XXXX. The new Credit Card became Walmart Master Card # XXXX managed by Synchrony Bank. I have this Credit Card ending in # XXXX which was valid through XX/XX/XXXX as shown on the card. Nothing was mailed me showing me that my cash of {$1.00} was transferred to the Walmart Master Card # XXXX. 
I have spoken to XXXX, Supervisor, @ Synchrony @ XXXX on XX/XX/XXXX. She said things had been transferred to XXXX XXXX, and it was XXXX XXXX 's problem. I spoke to XXXX, Supervisor, @ XXXX XXXX XXXX on XX/XX/XXXX. She said it was Synchrony 's problem -- not XXXX XXXX 's.. 
I have asked each of the above Supervisors, XXXX and XXXX, to transfer my {$1.00} to my current Walmart Credit Card # XXXX as a credit or mail me this amount. Neither of them agrees to do this. 
Synchrony Bank should have notified me back in XX/XX/XXXX what was happening to my {$1.00}, but they did not.

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 2019-11-08 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: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies.

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 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this  Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this  account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I made a lease payment a day before we ended up trading my lease in, I was not able to cancel my payment through my bill pay on my banking app and the payment was processed {$280.00} but was never returned to me, that was XXXX of 2019. Shortly after turning in my lease a received a bill for a entire year of property tax, which 1 only owned the vehicle for 1 month and a 1 day, I phoned Kia and spoke to them and told them that I would pay the pro-rated amount. They were not satisfied with that and wanted me to pay the full amount and they would reimburse me the balance, I told them that I could not trust them to reimburse me as I was still waiting for them to reimburse me my last payment. I asked to speak to a supervisor, was put on hold for quite some time, they came back and told me that a supervisor would call me back, I never received a call back. A month or so later, I received a bill in the same amount as the property tax but instead they were now calling it lease end charges. I do not agree with any of this. I was more than happy to pay my portion of the property tax, and I want my {$280.00} payment returned as it should of been. They have now reported to the credit agencies that my account is delinquent and has brought my score down, which is making it very difficult for me to obtain another lease at this point in time. i need these items removed from my credit report, i was never late on 1 payment ever and this is not right how they are handling this. I have an attorney who has written to them with no avail on three different occasions to try to resolve this. My credit score has dropped dramatically, and for me to obtain a lease now is almost impossible. I have lease from Kia previously and i was never ever late on any of my payments and i don't feel that it is right that they can do this to people over their mistakes and keep money that does not belong to 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 2019-11-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FL

Complaint narrative:
I am a victim of identity Theft. I did not Authorize these Accounts

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 2019-11-08 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:
It's not my inquiries, i never applied for this companies.

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 2019-11-08 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: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
AMERISAVE DISPUTE : On XX/XX/2019, we spoke with a Loan Officer from Amerisave to refinance our home. We are retired military and were using a VA Streamline loan. We had two Loan Officers from two different companies giving us quotes at the time to include the Loan Officer from Amerisave. The other Loan Officer told us that we had to wait for six-months of payments on our existing loan before we could qualify to refinance ( we had just bought this home this year ). However, Amerisave told us that information was not true. He stated that he already had approval to refinance us now, already pre-qualified us, and that we would Close on our loan in approximately 30 days from the date of application.

He then asked for {$500.00} to ensure that we did not proceed with the other company so that he wasnt just wasting his time. We obliged. Two weeks before we were to Close on our loan, he contacted us by email - he didnt even have the professionalism to contact us by phone. He stated that he had to apologize because he could not close on our loan until we had six-months of payments. He said that he would hold the {$500.00} until months later when he could refinance our loan. That was totally unacceptable. That was the first thing we told him initially and he insisted that he already had approval to proceed at that time.

To us, the contract was voidable as he did not fulfill his end. We contacted our bank to dispute the charge. Today, months later, Amerisave provided our bank with a contract stating that the {$500.00} was non-refundable. They reversed the dispute and retrieved the money although they did not refinance our home. We have already refinanced our home with the company who told us the truth from the very beginning. What is our recourse? Recorded phone conversations can corroborate our case. Most importantly, Amerisave initially took the {$500.00} in July hours before sending us a contract stating it was Non-Refundable. We DID NOT receive that contract until we had already given him our debit card information based on his false information via phone. If we had received the contract prior, we would have seen that it was Non-Refundable and would not have proceeded or taken his word. Please help?

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 2019-11-08 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: NY

Complaint narrative:
Wrong address

Company response to consumer: Closed with non-monetary relief