vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.

If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

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 2017-10-03 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX XXXX denied a credit increase. My credit score is in the good range. they cited 7 reasons denied according to XXXX. Called XXXX and they denied that any of the 7 issues were on my credit report. Tried to call credit dept to correct and they denied to do office and all phone numbers were leading back to department that denied to do correction. Would not give corporate phone number. Ruined my reputation and sent lies in a letter for credit denial.

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 2017-10-03 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am replying to the request for Santander Consumer USA to remove credit inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: PA

Complaint narrative:
claims we owe {$2000.00} for no services rendered never provided proof in 3 moths in violation section 809 Fair Debt Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 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: AL

Complaint narrative:
I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Want to sign up for Equifax 's TrustedID service for my wife and me. We have one -mail address and the TrustedID service requires an E-mail address as the user ID for  each person. Thus can only sign up one of us for the service with out opening another E-mail address just for this service. We would have to monitor the new E-mail address for any alerts. Since we would not use the new E-mail address we may not notice an alert in a timely manner. Equifax 's system ID requirements limit families from signing up for the service. 


What if you do not have an e-mail address? Are you unable to sign up for the Equifax TrustedID service?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TN

Complaint narrative:
I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have been applying for a home loan and going for a XXXX loan. The bank continues to state Equifax is surprising my information. I have called 6 times over the past two weeks and they indicate there is no problem with my account and no hold or freeze in place. The bank continues to state there is a hold. I am not sure how I can correct the problem. When I call in I get someone from the XXXX and I can not understand them so I am not sure if they understand what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.

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 2017-10-03 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: TX

Complaint narrative:
Violates XXXX and CRA.

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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: AL

Complaint narrative:
I have notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

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 2017-10-03 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: AL

Complaint narrative:
I have informed Transunion that the Alabama XXXX XXXX Account do not belong to me. I have had a difficult time trying to get Transunion to remove this inaccurate or fraud item from my credit file. Please assist me in getting this account removed from my credit 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 2017-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern I recently purchased my first home utilizing the services of XXXX XXXX in XXXX, PA. At the time of closing XXXX XXXX informed me that my mortgage would most likely be sold being that it is an FHA mortgage and that it would either go to XXXX XXXX or Chase. I was crossing my fingers chase would get my mortgage as I already had a credit card account with them. Well a few weeks later my " wish '' was granted and chase was my new mortgage holder. I then noticed one day my mortgage was listed on my online portal so I did not have to do any data entry or payment entering everything was rather seamless. Well here we are not even 4 months after buying this house and I get a notice that " XXXX XXXX a XXXX XXXX '' is my new payor. I have had trouble since the start, their system hasnt updated and I cant create a log in, it takes 20+ minutes to get someone on the phone there. I called Chase and asked them to reconsider transferring my mortgage but that fell on deaf ears. I am writing this government agency as you were designed to help me the consumer in situation with dealing with financial institutions, so help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. 

Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). 
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up

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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: AL

Complaint narrative:
I have informed Experian that the XXXX XXXX XXXX Account do not belong to me. There are XXXX accounts reporting on my credit file negatively and both of these accounts do not belong to me. I have had a difficult time trying to get Experian to remove this inaccurate or fraud item from my credit file. Please assist me in getting these accounts removed from my credit 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