vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 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: CA

Complaint narrative:
In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX  - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX I contacted XXXX and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact Transunion and XXXX separately please let me know.

Thanks, 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 non-monetary relief
Consumer complaint received 2018-03-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not allow me to access my free credit report and I will not send personal information, like my SSN, through the mail to a company I do not trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: CA

Complaint narrative:
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX  and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
Purchased a home in XX/XX/XXXX. First and second loan was with XXXX XXXX.

In XX/XX/XXXX we modified our 1st loan with XXXX. We asked about the 2nd loan/HELOC with XXXX and the XXXX representative said our 2nd was written off.

XX/XX/XXXXFiled Ch XXXX bankruptcy XX/XX/XXXX - Trinity Financial Services claims they own the 2nd mortgage/HELOC. Hounding to pay $ XXXX+ to bring current or pay off $ XXXX+ XX/XX/XXXX XXXX XXXX from XXXX XXXX confirmed our 2nd Mortgage/HELOC Chase loan # XXXX was " written off '' on XX/XX/XXXX.

Through my own research of calling the companies involved, I found that on XX/XX/XXXX XXXX XXXX XXXX   transferred 2nd deed to XXXX XXXX and XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXXXXXX ext XXXX ), although the Trust hadn't been created until XX/XX/XXXX.

XX/XX/XXXX XXXX XXXX/XXXX XXXX transferred to Trinity Financial oXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. - XXXX   It literally took 4 hours on the phone with XXXX  for them to find it was sold to XXXX XXXX, which is now XXXX XXXX XXXX   XXXX XXXX said they bought it from XXXX XXXX on XX/XX/XXXX, then sold it to Trinity XX/XX/XXXX.

I don't understand how XXXX XXXX  received the deed to begin with. The recorded papers filed with XXXX XXXX County do not match up either. Only filings are the initial purchase recorded XX/XX/XXXX between XXXX and myself and then nothing until two recordings onXX/XX/XXXX. The first, DOC # XXXX looks as if the companies stamped in their information and it still doesn't make sense. The " Note dated : '' is incorrect. The date of the Trust is XX/XX/XXXX, yet the letter was signed and notarized on XX/XX/XXXX The second one is between XXXX XXXX and Trinity Financial Services and this letter was dated XX/XX/XXXX.

Even if Trinity turns out to have a legitimate claim to this heloc, they have only offered us two options to avoid foreclosure, come up with {$94000.00} to reinstate the original loan or pay off the total for {$260000.00}. Given we thought the loan was forgiven almost 10 years ago by XXXX  ( XXXX Representative and a XX/XX/XXXX loan statement balance of XXXX  ) and lack of transparency, we find this unreasonable and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: RI

Complaint narrative:
I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any.

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ).

I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation.

The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above.

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 2018-03-24 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an XXXX   consumer report. It has not responded.

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report.

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
For the last four years I have applied for a XXXX Card thru Barclays Bank. Every year I am denied. In XX/XX/XXXX, I applied for a XXXX  card thru Barclays Bank and was Approved. XX/XX/XXXX I applied for another XXXX   Card thru Barclays bank and was denied. So, I contacted customer service and spoke with the review department and was able to speak to XXXX and escalated to XXXX.

XXXX. advised that the XXXX card was denied. They had not run a hard hit but due to the records on file in house of a bankruptcy from XX/XX/XXXX it was the reason for the denial. I asked how long would this record be on file and he advised he was unsure and had know knowledge if it would be removed from their system. I was also advised that this was the policy, which he could not give me specifics on their policies, could not email or mail me anything. Then I advised him of my XXXX card that has been in good standing for the last 4 years, that was approved by them which was closed this month due to XXXX  closing. He goes on to advise me that its a possibility that the card fell thru the cracks! Not the case, because they could have closed my account.

The supervisor XXXX was no help either and simply reiterated was XXXX said. I feel that their practices are unfair, the don't provide information that makes any sense to the consumer. What can be done to assist me with this matter?

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 2018-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XX/XX/2017 I purchases a XXXX  laptop computer from the XXXX XXXX XXXX ( XXXX  ) for approximately {$420.00}. The item was being broadcasted on the XXXX XXXX. It offered a 12 month no interest with payments option which I ordered online on the XXXX site, clicked the 12 month promotional financing. I'm set up on auto billing that comes out of my checking account but in XX/XX/XXXX I noticed that I was being charged interest ( about {$8.00} each month ) when the promo was to be interest free. I immediately contacted XXXX XXXX  ( the company that underwrites the XXXX credit card ). They said that they would put my account into dispute and I checked back with them twice, it took nearly 60 days and they responded back to me via email stating that there was never any no interest promotion offered for the computer that I had purchased. To make this short, we communicated back and forth via email 2 or 3 times and they said that I should call them to discuss. To be honest I've spent many hours dealing with this so I decided to just pay off the entire balance of the card and I cut up the card and sent it back with my request to close the account. I went onto a website and published my story and after I checked there was a complaint right before mine with basically the exact same situation. I've paid this account off but I would like people to know that XXXX XXXX   doesn't follow through with promotional financing that is offered to XXXX  customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-24 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: RI

Complaint narrative:
I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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 2018-03-24 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: RI

Complaint narrative:
I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: CA

Complaint narrative:
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.

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 2018-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in  XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau. 

Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a capital one credit card for last 7 years and I got the letter that they have closed my account. I called them to reinstate the account but they are not ready. They did not send me a letter to explain that they will close my account because of inactivity. After checking with them, they said for this kind of account we do not send letter and can close account at companys discretion. This is my old account and closing it will impact my credit history badly. They are not ready to understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.

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 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I signed up for Chase XXXX XXXX XXXX XXXX Card through an offer that came in the mail that promised XXXX bonus miles ( see attached pamphlet ). 
Even though I used the exact website indicated, signed up before the deadline and met the minimum spending required, I never received the promised XXXX bonus miles. I received XXXX, which is their more standard offer. 
I contacted Chase even before the 3-month spending period to make sure XXXX would be awarded, since I didn't see any indication of this in the site at the time of signing up. I was told to wait the three months. 
I contacted Chase again 4 months after opening the account ( and meeting all the minimum spending requirements ) and was told I wasn't eligible, without an explanation ( see letter attached ). 
I followed up recently and was told that because my account has been open for more than 3 months, the offer can not be awarded!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: PNC Bank N.A.
State: IL

Complaint narrative:
I have a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.

Company response to consumer: Closed with explanation