vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
In   XX/XX/XXXX t he last payment of  the Ditech lo an ( they had purchased from  XXXX   )  was due. I had monthly automatic withdrawals established for my lo ad. Four days  prior, realizing I had not gotten anything concerning the payoff of the load, I called  Ditech  asking for the payoff and asking them to no longer take payments from my account since the loan will be paid off. They told me it was too late to cancel the payment for the final amount and they would refund me the difference after the payment. Based upon this, I did n't make the payment. When I noticed they had not taken the payment I notified them and they had tacked on fees etc. They credited the fees to me and gave me the address to send the final payment. I told them i did not expect this to hit my credit report and they assured me it would n't. In  XX/XX/XXXX , I checked the credit report and there it was. They continued to say that they had not reported it. I supplied them all the requested information and they replied by email saying it had been taken care of ( I have copies of the documentation and email ). I checked my credit repo rt in  XX/XX/XXXX  and it is STILL there. When I call them they still  say they did n't report it. The supervisor I spoke with reviewed the notes and though their email said they took care of it, she said the request was denied all 3 times I called in. When I said I had the email stating it had been taken care of she said it was taken care of ... it was denied. She was supposed to contact " them '' again to understand why and call me back the next day. She of course did not. I 'm seeking help to get this error off my credit report. I was unfairly penalized for their error. They admitted it was their error by crediting the fees but they lied repeatedly about reporting to the credit bureau and then refusing to correct the situation.   Thank you.    XXXX   XXXX   (   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
MAJOR issue here. Back i n  XX/XX/XXXX , I contacted Chase after I received a letter about an Amazon.com Chase credit card application denial after nev er submitting an application. I contacted Chase, and they told me they would  remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XX/XX/XXXX , and  I 'm still regularly ( at least 2 times a month ) receiving application denials for the  Amazon.com Ch  ase  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  Chase, again, and was told they 'd remove the inquiries, even the one  fr om  XX/XX/XXXX  still on m y credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date  XXXX  is showing : Company Information : CHASE CARD Date of Inquiry :  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX     XXXX   is showing : CHASE CARD Date :   XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date : XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  An d   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with Chase bank, and  Amazon. Although this is n't so much Amazon 's issue as they 've reset my Amazon account thinking I was a victim of a hacked Amazon account. Even after that, the issue is still occurring even after Amazon reset  my account information. The issue is n't so much w ith Amazon, b ut with Chase repeatedly processing unauthorized credit requests for the Amazon.com Chase credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows  XXXX  Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals o ffice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.  XXXX   XXXX   XXXX , No.  XXXX  (  XXXX .   XXXX   XXXX   XXXX   ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1.    XXXX   XXXX    XXXX   2.    XXXX   XXXX     XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX   XXXX    XXXX   5 .  XXXX   XXXX   XXXX   6 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  8.   XXXX   XXXX     XXXX  9.   XXXX   XXXX    10 .  XXXX   XXXX   XXXX  #  XXXX  11.  Judgement Case  #  XXXX . Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX . You are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The judgements CAN NOT be verified due to the fact that in your verification, it is impossible unless you file a motion to the court to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: PA

Complaint narrative:
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
company not Authorized to have or diseminate vital information

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 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My personal information was compromised in  XXXX   2016 . As a result, several credit inquiries were made that were not authorized.  XXXX  of those unauthorized credit inquiries appear on my Experian credit report. I have notified Experian and asked to have them investigated and removed, but they have not responded or removed the hard inquiries. It has been over 30 days since my third and most recent request to Experian.     I am attaching all three communications that I faxed to Experian. I can provide fax confirmations if necessary.

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 2017-05-08 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: PA

Complaint narrative:
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

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 2017-05-08 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: CA

Complaint narrative:
I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: TX

Complaint narrative:
I HAVE ADDRESSED SEVERAL ISSUES WITH EXPERIAN THEY HAVE NOT REMOVED FRAUDULENT INFORMATION FROM MY CREDIT FILE THEY HAVE REMOVED THE ACCOUNTS SEVERAL TIMES AND HAVE NOT CONTACTED ME THAT WITHING 5 DAYS THAT IT WAS REINSERTED IN MY FILE

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 2017-05-08 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: PA

Complaint narrative:
XXXX 2017 I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: MD

Complaint narrative:
lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

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 2017-05-08 00:00:00
Product: Debt collection — Federal 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: GA

Complaint narrative:
Spoke with agent    XXXX   XXXX   XXXX    to request forebearance. Loan agent stated that forbearance was good until   XXXX   XXXX   XXXX  .  Letter added to a ccount stated a forbearance ended    XXXX   XXXX   XXXX   . I called back to have them update the letter and make it consistent with information given to me from call in   XXXX  . Agent refused and continued to offer me another forbearance. They would not correct their mistake on my account.  Navient is c aptializing on students by not honoring the verbal agreement. This is not the first time this has been done. This has been done to my account around   XXXX   XXXX   and a forbearance was placed on my account that I did not request in   XXXX   XXXX  . So again they capitalized interest without my permission and when my account should have still been in forebearance. In a matter of 9 months this company has attempted to place my account in forbearance 4 times. CFPB needs to do a better job at getting students reimbursed all of these excessive fees that this company adding. Navient is not correcting their mistakes they are charging the loans of persons like myself for their mistake . Navient has made it difficult to continue the current loan repayment program. It  is difficult to navigate their system and its difficult to distinguish between the different loans. All of the loans have the same number. When you are talking to an agent many times they are only servicing  one set of loans, but tells you that the current transaction is covering all of yo ur loans. So the student ends up with late fees because the agent translates in writing that only a certain set of loans were covered so the student ends up with late fees. The date given over the phone of your forbearance is not consistent with what they put in the PDF file.  Navient did  not make it clear that the information that you received over the phone does not come to your regular email address but it goes to the inbox located on their website. Again yo u may be rece iving notifications to your regular email and you think that this is just a reminder of the conversation that you had with the agent and when you go and check the website information it is then that you find that the information given over the phone is not consistent with the documents they have online. This is intentional and helps them to continue to collect fees on students. The make the process so cumbersome and their company will profit more on fees that people are paying on these loans than the loans themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On  XXXX / XXXX / XXXX  I contacted Transunion regarding their inquiry issue I was told I was not affected which in fact I was. Customer service refused to help and take care of negative inquiries reporting to my credit report. The inquiries in question :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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
Consumer complaint received 2017-05-08 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: CA

Complaint narrative:
I have sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have 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 2017-05-08 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: CA

Complaint narrative:
I have sent IRS No tice of Withdrawal of Federal Tax lien  to  XXXX ,  XXXX  and Experian to delete the entry from our records, and they have 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 non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
The com pany Loan Depot operating as " iMortgage '' in IL should be investigated for fraud. The LE 's ( Loan Estimate ) they issue customers ( myself included ) is/was EXTREMELY inconsistent with the actual CD ( Final Closi ng Disclosure of costs ). Furthermore for a  XXXX  loan, the entire portion of the escrow hold back ( in my case it was  XXXX  ) was not broken down into individual line items like the law now ( TRID ) requires and they charged me twice for the same {$800.00} fee listed on the CD. In fact, I was never properly disclosed the correct break down of this escrow hold back EVER by the company, in the entire process and can prove that is the case. I only got an estimate by the  XXXX  loan consultant  at one poin t weeks before closing. iMortgage did NOT disclose this itemized cost/escrow hold back whatsoever and likely does not do so at all to other customers like TRID requires they do before AND at closing.     My closing on  XXXX   XXXX    XXXX   lasted for ove r 4.5 hours. During this time, 5 different departments could not figure out how to get me the b reakdown of this lumped  XXXX  cost/escrow amount. I finally at  4 hours  into the closing was contacted by people in AZ who emailed me the breakdown. I discovered they had added a fee twice on to my CD that I had already paid outside of closing. They not only refused at that point to remove it from the  CD ( as I a m sure the loan amount could not be changed at the table ), but they also did not credit me in any way and said I would " Get that money later on ''.     The above is complete fraud and I am certain that upon investigation into this company LOAN DEPOT and iMORTGAGE, that they are breaking more than one law in regards to proper disclosing before and at closing.     On a side note, my loan  officer  was  XXXX   XXXX  and he played a major role in all of this. I do not feel he is equipped to do loans for people in general anymore. He is a much older gentleman and he was sent documents  3-4 times on average ( the same document throughout the entire 3-4 month train wreck of a mortgage process ).    XXXX   XXXX  is an employee whose entire department should be investigated. She was the  XXXX  rep for my loan and did a very poor job communicating or sending documentation/explanation at all.     Overall, I am astounded that  iMortgage  and  Loan Depot are all owed to do purchase loans for individuals at all. The process could n't have been more of a nightmare roller-coaster, and it 's a shame that they have been able to trick the system this long without getting caught. Did I mention my closing was ove r 4.5 ho urs long?!

Company response to consumer: Closed with explanation