vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
Requested removal of inquiries, XXXX XXXX x 2 ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) of XXXX XXXX and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; as well as, XXXX from Transunion credit bureau and was advised by XXXX that the inquires are not verified and she can not request validation due to it being over 6 months. In regards to the creditor, afni no validation info will be provided. They verified it was my debt but no actual proof provided

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Satterwhite Law Firm PC
State: MA

Complaint narrative:
I XXXX my job during the global financial XXXX  between XX/XX/XXXX-XX/XX/XXXX and as a result could not keep up with my bills. I was summoned to court in XX/XX/XXXX for credit card bill which accumulated interest, penalties and other fees totaling {$10000.00}. Nine ( 9 ) years later after the fact I received a couple of threatening letters letter from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX at my work place threatening to sue me of my property and more court action against me if I do not pay the debt. The case was again brought to court on XX/XX/XXXX and after the hearing the judge issue a verdict in my favor that the case is closed and no discovery is allowed. Please see the attached verdict. 
Two ( 2 ) years later after the verdict I have again received a letter on XX/XX/XXXX from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX harassing me to sue me in court if I do not pay the debt incurred in XX/XX/XXXX even though the case is closed and no discovery is allowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized inquiry by XXXX XXXX through TransUnion on XX/XX/2019. Lowered my credit score. I want this item removed from my credit report and a higher credit score.

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 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I went to a puppy shop bought a XXXX  XXXX and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and Duvera Billing services , LLC 413 Your Easy Pay Finance Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
XXXX I sent a certified letter to Equifax and told them I looked at my credit report and saw a US Bankruptcy Court item listed on there. I told Equifax that under FCRA 623 ( a ) ( 5 ) : " if the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' XXXX Equifax sent a response saying that please be advised Equifax no longer reports judgments or liens on the Equifax credit file. The disputed item is not currently reporting on the Equifax credit file. Public Record : Lien XXXXI never disputed any liens!!!! 
Going further : They stated that they receive public record items from local, state, and federal courts through third party vendor, XXXX. 
Its still currently reporting on my credit report as discharged. 
Equifax told me if i had any additional information to send it in to them and I have. I'm going to attach all the documents i have sent to Equifax to you as well. 
I don't understand how a company can get away with investigating things that you have never disputed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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:
To Whom It May Concern : Both XXXX  and Transunion began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX  checked into my dispute regarding this account and removed it immediately. Both XXXX and Transunion, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about 50 points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither XXXX  nor Transunion could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, Transunion continued to add a suffix to my name that does not exist over my objection. XXXX  did the same thing. I disputed this with them, but only Transunion fixed the error. XXXX  refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated  one company ( out of 50 accounts ) reported my name as XXXX, and they would take that company 's word over mine and that of 49 companies.  This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into chase to open a new prepaid debit card, due to a finn account I had with them being compromised. There was One or two fraudulent charges, totalling around 70 dollars on my account. They opened a prepaid debit for me, while I attempted to work out the other account. When I went to use the prepaid card, it declined..despite a positive balance. Subsequently, I went in the branch and Chase Informed me that they were no longer going to maintain any banking relationship with me. Moreover, they informed me that they have no obligation to inform me as to the reason they closed my accounts. I believe consumers have a right to know why an institution would stop doing business with someone who is a victim of a serious crime, while also making no mention of the amount in dispute. This Took place in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was " Assisted '' by a branch manager and telephone support. I have heard nothing in regards to resolving my disputed charge and I also have believe I have a right to know why they terminated the relationship, I believe this is wholly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Both Equifax and XXXX began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX checked into my dispute regarding this account and removed it immediately. Both Equifax and XXXX, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about XXXX points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither Equifax nor XXXX  could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, XXXX  continued to add a suffix to my name that does not exist over my objection. Equifax did the same thing. I disputed this with them, but only XXXX  fixed the error. Equifax refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated one company ( out of XXXX accounts ) reported my name as XXXX., and they would take that company 's word over mine and that of XXXX companies. This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I looked at my FICO score on my XXXX accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between XXXX and XXXX, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called XXXX XXXX. After several minutes ( 23 actually ) to get through the hold, I was told " that was Experian, not us '' and I'd have to call Experian. XXXX did connect me with a team to file a complaint against Experian. which took up hours of my day. So I call Experian and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is XXXX XXXX, not us ''. XXXX-esque. When I explained to her that I ran my Experian report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't Experian PRODUCE the information? ) and XXXX XXXX XXXX was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from XXXX XXXX. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both XXXX XXXX and Experian what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation

Complaint narrative:
I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are 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 2019-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. Navient has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, Navient assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver - wherein the co-borrower is required to pay Navient to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy.

Navient is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because Navient has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
I have told the company reportedly to stop contacting me and they won't stop. They call me at XXXX and leave voicemails. Send me emails as well. 
Most recently on XX/XX/19 I told them to stop contacting me and the rep emailed back saying that they will call everyday and not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
We experienced water damage at our home that was covered by insurance. We filed a claim with our insurance company and were paid on the claim. As per the routine process, we submitted the claim check to BankUnited to be held pending the completion of the work. We hired a licensed contractor to complete the work and the work was performed the summer of XXXX. 

Mid way through the project, we requested payment for our contractor. We provided evidence that work had been performed, including conditional lien releases. Despite confirming BankUnited had all the necessary documentation and repeated follow ups, BankUnited did not send payment in a timely manner. We followed up on the payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A check was finally sent to us in mid XXXX. 

Work was completed in the end of XXXX and we requested the final payment to our contractor. BankUnited performed an inspection of our property to confirm the work was completed. We also submitted all the necessary documentation to evidence that the work had been performed by the contractor, including conditional lien releases. 

We did not receive a check for our contractor in a timely manner. As a result, to prevent a lien from being placed on our home, we personally paid the contractor. After making the payment to our contractor, we contacted BankUnited to have the funds disbursed to us. BankUnited asked for documentation evidencing that the payment had been made. BankUnited also contacted our contractor to confirm payment had been made and he confirmed the same. In response to BankUnited 's request, we provided the evidence of final payment in XXXX. BankUnited didn't release the funds in a timely manner. 

Thereafter, we followed up repeatedly from XX/XX/XXXX - XX/XX/XXXX. We left dozens of messages with BankUnited 's insurance department ( specifically, XXXX XXXX XXXX ) and never received a call back. We also resubmitted evidence of the final payment on several occasions, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BankUnited has yet to release the funds ( totaling over {$17000.00} ). On my last call to BankUnited I was told that servicing for our loan had been transferred to XXXX XXXX XXXX effective XX/XX/XXXX and that I would need to deal with XXXX on the issue. 

I am confident that BankUnited has been earning interest on my money over the period. Certainly, for this reason, the delays are in BankUnited 's favor - probably a systemic problem for the bank 's benefit. This company should not be allowed to service loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation