vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 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: NY

Complaint narrative:
XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX  recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Called a phone number not linked to my account. My mother called saying chase has been calling her. I never gave chase her number or authorized chase to call that number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need 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 explanation
Consumer complaint received 2018-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.

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 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, Chase closed all my credit card accounts both personal and my 1 business card. When I called them after have my card declined, they said your account is closed when I asked why they said they cant see anything further and they will transfer me to a supervisor who may be able to help. The supervisor got on the phone, after explaining the reason of my call, she pulled up my account and said chase doesnt take closing customer accounts lightly, youll receive a letter in the mail in the next 10 business days describing why your accounts where closed. I asked if she can tell me over the phone, she said she doesnt have that information and it will be provided in the letter. I got the letter for my personal cards, and the letter said my accounts were closed due to unexpected activity. This response left me puzzled. Ive been a loyal chase customer since Id say 2012 or so, never had a late payment, never missed any due dates and used chase as my primary credit card. After I received this letter I called 3 different times to see if I can appeal this decision and each time I callIed they told me my information was no longer in the system and they couldnt not pull up my account. Not to mention, the closed my one business card as well 3 weeks later. For this card, there was no letter, no explanation, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2017 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. XXXX XXXX accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct. 

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.

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 2018-04-08 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: FL

Complaint narrative:
Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX ( XXXX XXXX XXXX ) Date : XX/XX/2017 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
XXXX continued to bill me after I switched back to att. Their customer service agreed and told me it was taken care off but they still sent me to collections. I ended up paying the XXXX They claim I owed ( have prof they billed me for months after I switched my numbers back to att ). Ive spent hours on the phone with their customer service that is based in XXXX & got know where. Im sure others have experienced this from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA

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 2018-04-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX I reported to Chase 6 unauthorized charges on my credit card. They cancelled card ; reissued a new one and accepted my 6 disputed charges via the phone call. They credited/resolved 2 of the 6 charges after my research showing them confusion on thier part on vendor. The 4 other disputed charges were credited and then rebilled in XX/XX/XXXX. I made several phone calls to dispute department trying to resolve charges. I received some US mail documents saying they received and will be researching. I reached out to merchant to verify if Chase had contacted them and they had received only 2 of the 4 disputes along with an email that tells merchant not to give me credit as they Chase has provided me credits.Also received some confusing documents with no information and a blanket type statement We can not continue due to lack of information. I then per thier request mailed certified documents to thier XXXX XXXX dispute department in XX/XX/XXXX. I received a letter stating this dispute has gone beyond time limits and we are closing the case. I in XX/XX/XXXX ; reached out through social media ( XXXX ) to Chase to try and resolve. We communicated and set up a time for them to call me 3 days in a row ; which they never did. 
I have all documents and copious notes of all attempts and copies of my twitter out reach with thier responses. I also have email from merchant supporting Chase neglected to dispute all 4 charges to this merchant. 
The amount of unresolved disputes is {$700.00}. 
I can also provide the reason these charges were unauthorized, if needed. 

I will send all documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX paid my back property taxes of XXXX. The mortgage on my home is XXXX and XXXX for current property tax and XXXX for back property taxes owed. I have been paying a total of XXXX until XX/XX/XXXX. I filed against XXXX XXXX XXXX XXXX in XX/XX/XXXX. Now that Ditech Financial LLC bought Green Tree the company has fraudulently purchased unnecessary hazard insurance even though I sent them proof of insurance. I contacted them to notify them that those funds fraudulently used for hazard insurance was for taxes. So, XX/XX/XXXX Ditech paid my insurance company in full without my permission. Ditech is now stating Im in default and has returned returned 3 mortgage payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
I requested help in XX/XX/XXXX and explained that I have a XXXX XXXX, XXXX XXXX, and that my husband who was the sole breadwinner since I couldn't work -- was gone due to a tragic accident. I've called and emailed several times since then. I thought everything was set, according to the man I spoke to over the phone, that I would continue to pay interest only -- {$120.00} every three months. I was really hoping to postpone or discharge my loan, but I was told that was not possible. Then I received a letter saying I was delinquent end of XX/XX/XXXX, and it made no mention of my interest only agreement. The payment I made that was supposed to be for interest only, was used as a normal payment. They sent me an email saying they are planning to garnish my wages. I am dependent on my savings for survival ( medicine, food, minimum payments of bills, utilities, gas, insurance, etc ) since I can not work and have no wages. Can they go into my bank account and take my savings? I have been working on this since XX/XX/XXXX and they are saying I'm behind about {$500.00} dollars currently. I also have a cosigner and I am afraid HESAA will garnish his wages and ruin both of our credit. So far HESAA has not honored our phone agreement and continue to claim I did not " properly '' submit their forms -- which I have submitted multiple times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Is listed on my credit report as a debt I owe and have not paid. I do nnot owe this debt and want it removed immediately. They refuse to provide written proof of the debt which proved my point, that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon checking my credit report in XX/XX/XXXX I had seen 13+ fraudulent accounts and while it was a very stressful time in my life most creditors let me know that they would do a timely investigation and would walk me through each step, almost XX/XX/XXXX now and the only creditor who refuses to do a accurate Investigation is Chase. The accounts held with chase have absolutely NO MERIT. They revealed that they confirmed it was me with a code that sent to a fraudulent phone number that was not mine! But Chase said they confirmed it was mine?. I am very curious to know how they confirmed this?. This is by far the worst creditor for theifts to open accounts with because the bank never admits fault and makes bogus claims of their investigations. Under federal law with the proper paperwork JP Morgan Chase must erase this account I have supplied, Police reports, Federal trade commission reports and more! I have finally taken the steps to contact the attorney generals office and submit paperwork with them. Chase is saying theyre holding me personally responsible for their negligence, I will NEVER give a dime to these accounts, THEY ARE FRAUD. My police report ( # XXXX ) with the XXXX even states their investigation and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am currently behind in payment on my account. I again have been receiving several calls a day after one voicemail has been left. After a voicemail has been left there continues to be calls made on the same day. Today XX/XX/XXXX I have 2 voicemails from them and have the voicemail logs and call logs. I have previously made a complaint # XXXX and this action still continues to happen knowing they are in violation. I want the balance of XXXX taken off due to this 2nd violation.

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 2018-04-08 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: MN

Complaint narrative:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. 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 2018-04-08 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: MN

Complaint narrative:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. 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 2018-04-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has calls such a major heartache on me financially and  mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation