vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
send Transunion, XXXX  and XXXX a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2018-11-14 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: IL

Complaint narrative:
I have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to 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 non-monetary relief
Consumer complaint received 2018-11-14 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, 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 2018-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
The company is not registered in the state of Maryland and Maryland doesnt offer payday loans. They have sent my account to a debt collector asking for me to pay this high interest rate back, which the state of Maryland interest rate should only be 24 %, not 700 % interest rate. They should not be allowed to offer any loans in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
send XXXX, Equifax and XXXX  a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
send XXXX, XXXX  and Experian a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2018-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE CHASE BANK SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED CHASE BANK SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH CHASE BANK NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE CHASE BANK CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET XXXX XXXX XXXX XXXX DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to 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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up and received my Chase & XXXX Rapid Rewards credit card at the end of XX/XX/2018. In order to earn the XXXX miles offered in the advertisement I had to spend {$1000.00} in the first 3 months of having the card. I completed that task without any issue. In XX/XX/XXXX, I sent a payment that I thought would pay off the balance of the card ( approximately {$430.00} ). That payment did not process. The reason for that payment failing to process is unknown. I pay my bills the same way every month, and never have any difficulty with a payment not going through. I believe that the Chase 's website failed to properly process a payment that was made correctly on my end. That did not occur and the ~ {$430.00} remained on my account. 

For the next three months, Chase did not send me a single notification of any kind that the bill was past due. They claim to have sent paper statements. I never received those statements. They did not send an email notifying my of a past due payment, despite sending me several other emails in an attempt to get further business from me. They sent multiple text messages with the same purpose, but never a single one notifying me of a past due payment. 

Instead of contacting me with information on that past due payment, Chase notified the credit bureau, and I took a 70 point deduction on my credit score. Furthermore, Chase claimed that I was not offered XXXX points for {$1000.00}, and has since refused, on multiple occasions to grant those miles, despite a clear bait-and-switch. They claim to have offered me something different, but that is not what was advertised on the paperwork that accompanied my card. 

Today, I was notified that, due to a 'recent change ' in my credit score, XXXX XXXX would be lowering my credit limit by {$4000.00}. 

So now, instead of my credit utilization being under 20 %, it will be near 50 % on the next credit report, sinking my score even lower.

I am pleading that someone stop this madness. It was a {$400.00} bill that Chase repeatedly failed to notify me about, was paid off the day I saw my credit score drop, and its impact is still growing as credit card companies and bureaus asses my risk as HIGH, despite what was previously a credit score well above 700. I have worked my entire life to establish myself financially, and I feel that it is being taken away unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i went to see about opening a credit card account at bank of america i had a savings account with them XXXX  ca.

the manager XXXX said if i opened a checking account and sent my pay checks in to that account i would receive {$150.00} bonus it would be completely free to use the card no monthly fees i would also earn bonus money for using the card for goods and services " keep the change " i did not recieve the {$150.00} bonus they started charging me {$12.00} per month i tryed to close the account by visiting the bank they said i have to ring them when i rang they said i have to visit the branch when i visited the branch they said i had to see XXXX XXXX was never available the account continued to deplete my funds until it ran dry I am below the poverty line less than {$5000.00} a year

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 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union did re-insertion of derogatory items!

Trans Union was supposed to send financial compensation for that!

Financial compensation should have arrived by now!

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 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have been a Bank of American Small Business Customer for 2 years going on. I have never received a monthly {$14.00} fee for my checking account with BofA until XX/XX/18 which caused my account to accrue 2 overdraft fees for {$35.00} each making my checking account in a negative status $ -XXXX. I was told by the representative who answered when I called to speak to a small business specialist that I could not have the fees removed, I told her that I can not afford to pay the overdraft fees and that I would hate to have to close my BofA account after 2 years as a customer over this, her reply was " you will have to close your account then '' I asked politely to speak to a Supervisor, the rep kept me on hold for close to 10 mins only when my husband said that she was having me hold purposely to agitate me is when the rep said she had a supervisor ready. The Supervisor got on the phone and said her name is XXXX located in Delaware. The Supervisor said that she could not remove the overdraft fees and did not seem to care if I closed my account with BofA. I explained to the Supervisor XXXX that I am experiencing a hardship and that I just found out my baby inside of me is not alive and does not have a heartbeat and that I will be having a procedure to remove the fetus, and addition to that my family and I just moved to a new location and we have had financial hardship as well as the emotional sad news about our unborn baby not being alive. After telling my whole hardship story to the Supervisor XXXX, she said she was sorry to hear that but that she still can not remove the overdraft fees. I am very distressed and dissapointed and I am asking that you will have Bank of America remove the 2 {$35.00} overdraft fees so that I do not fall into anymore debt. I appreciate all that the CFPB does and stands for. 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 2018-11-14 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I GOT A 'CARECREDIT ' CARD WITH MY DAD AS CO-SIGNER SEVERAL YRS AGO & THE XXXX  I USED IT AT DID HARDLY ANY WORK ON MY XXXX  BUT HE TOTALLY MAXXED OUT THE CARD WITH CHARGES FROM WORK I NEVER GOT DONE & NOW I OWE OVER TWICE WHAT WAS THE ORIGINAL CREDIT LIMIT. I TRIED CONTACTING THEM ON SEVERAL OCCASIONS BUT TO NO AVAIL. I JUST WANT THIS DONE & OVER WITH CUZ I HAVE HUNDREDS OF THOUSANDS OF DOLLARS IN TRUE & REAL MEDICAL BILLS DUE TO MY XXXX, MY DAUGHTERS XXXX & HUSBANDS XXXX & THIS ONE NEEDS TO GO CUZ THE COMPANY & COLLECTION AGENCY THEY USE R RUDE IGNORANT LIARS!

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 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I ended XXXX  school in 2003 with approximately 80,000 in debt. I have been paying most of the years since with few exceptions. My debt is now XXXX Since I was a XXXX XXXX since 2003, I applied unsuccessfully for the Public Service Forgiveness program, learning that I needed to first consolidate. It was not made clear to me that my previous years in public service would not count. Additionally, I qualified for Income-Based Repayment prior to consolidation, thinking my loans would be forgiven after 25 years. Again, it was not made clear to me that my timeline would reset upon consolidation. I am so frustrated with Navient, can not make sense of how my payments have been applied, and I overall believe the company to greatly lack transparency in their loan practices. Further, it seems the Dept. of Education must make clear what happens with consolidation. I need relief of this debt! I even left my job teaching literacy and writing in higher education because I thought I would be able to count my years of service toward loan forgiveness.

Company response to consumer: Closed with explanation