vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report Navinet continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2020 we charged {$170.00} with a company called " XXXX XXXX '' for an activity we were going to participate during a trip to Hawaii. While on our trip, the company cancelled the activity. We were told that we would receive a refund. About two weeks later, when there was no refund, we called the company XXXX XXXX and we were then told they would give us a " due bill '' to use in the future. We will not ever be in Hawaii again - so there is no way to use this " due bill ''. We contacted Chase, our credit card company, and opened a dispute. On XX/XX/2020 we received a letter from Chase stating they were siding with the company XXXX XXXX. When we called Chase and spoke to a manager he said the dispute was closed that Chase felt this was an acceptable situation that we get a " due bill ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was in the process of refinancing my home. I was working with two companies at the same time, XXXX and AmeriSave. My Loan Originator at AmeriSave,  XXXX XXXX, had me cancel my existing refi loan with XXXX that was set to fund the next business day and promised me a loan that was $ XXXX cheaper with the same 2.75 % interest rate. That loan with XXXX was already completed and signed but I had 3 business days right of refusal. I canceled my XXXX refi loan 12 hours before it was set to fund based on my conversation with XXXX and his promises to me. Once I did that XXXX then delivered a closing disclosure with more than double the loan costs that were promised. Unbelievable!! I have been fighting with XXXX and his manager XXXX XXXX ever since to try to get what I was promised. On top of that I have been dealing with AmeriSave and this refi going on two months now, which is a ridiculous amount of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The proper option was not provided. Nor Other Option. 

It so happens I applied although hesitant for a Best Buy Managed by Citi Bank. And within seconds I was literally told a decision will be mailed to you. I have the option to email my decision. I was so infuriated I made countless calls on Friday XX/XX/2020, minutes after. Calling the Credit Card Status was not an option as my Social Security was not recognized. I call Best Buy Customer Service, was transferred to a live person right away. Well, the individual blatantly told me my decision was not based on my Credit Score. But income. And I will receive a letter via mail. 
I stated that was discrimination because Im on XXXX. 

This morning XX/XX/2020 I receive a PDF without a Password. Attachment included. I call the number later on in the afternoon. Also Screenshot of all included. 
I explained to representative about the email without a password as the fact I was discriminated due to my income. 
She transfers me over to her Supervisor XXXX. This was all from my cell phone XXXX. 

She rarely let me talk. Talked over me and told me the reason for denial was because my rent was XXXX $ for and my income is close to XXXX $ per yr. Income was not enough. 
I said I applied for a Home Depot Card and was accepted. She replies! Yeah. And your rent income was not put in. If it were, it would have been denied. Im looking at your application right now. 
I stated, first off. I did not fill out the application at Home Depot. I told him ( The Associate who processed Application ) I paid XXXX . My son and I go half and half on bills.. 
I filled out the Best Buy Application va internet. Why would I lie? 
She said! Well. You do not make enough income for a credit card. This is a Federal Law That was signed by Obama. Anyone making XXXX or less should not be approved. Really? 

I told her. So explain to me this. I have a secure credit card~ a Home Depot Card.~ pay half water ~ light~ Cable ~ XXXX Prescription Insurance premium. Which I make payments on. 

She said! And the Home Depot would have been denied. It had XXXX income. There you go CFPB ... Youd think with XXXX income on rent you would get a credit card? 
No.. 
I tried calling Corporate Office Liason. But waited for close to two hours and hung up. Given to me by the screenshot with XXXX area code. 

I want them to remove that Hard copy inquiry which hurts my credit. Stays for 2 years. 
All I wanted was to purchase a printer. 

This is full-blown XXXX discrimination due to financial status. Not to mention, my credit score came down a couple of notches ..

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 2020-06-01 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: AZ

Complaint narrative:
Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.

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 2020-06-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Thank you for taking the time to review the complaint. After reviewing the Experian Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.

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 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On XX/XX/XXXX I checked my XXXX  and XXXX  credit report and was surprised to find a delinquency for {$500.00}, placed there by Midwest Recovery Systems. There was no prior contact in any way before placing this to notify me of the action, ability to pay it, OR DISPUTE IT. 

I checked the XXXX XXXX XXXX and they had many prior complaints and over 100 in the last 12 months. 

I contacted them and was told that they fo this all the time because they are not required to give notice of any kind before filings negative information on anyone 's credit bureau. They told me this was a debt from another company ( that never contacted me nor placed Anything on my credit bureau file ) that purchased it from a physicians group. 

He did take a verbal dispute but my score went down 42-45 points already and according to XXXX XXXX, even if it's removed will only rise back 25 or so points. I am starting a business and my access to credit funds has been diminished and I won't get that back for months at best even if they remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
Thank you for taking the time to review the complaint regarding the credit report. Nelnet continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: LA

Complaint narrative:
I was homeless in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I checked the mail today and I have a huge envelope in my mailbox from Blitt and Gaines , P.C . Keep in mind it's a pandemic on top of the cities are rioting. I've lost my maternal grandparents last week to XXXX. I'm trying to buy a house and I don't need this right now. I have this company reaching out to me, stating I owe a debt to XXXX XXXX XXXX. I've tried to dispute it directly with them. However they keep sending me just old XXXX XXXX bills.I 've never applied for this account I do not recognize this account and I need the following to validate this debt is owed by me, XXXX XXXX. 

I need a signed application of when I applied for this account I need a signed receipt of any merchandise that I received from this account. 


I DO NOT WANT THIS COMPANY TO SEND ME ANYMORE INVOICES OR STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

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 2020-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

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 2020-06-01 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
After reviewing XXXX  credit bureaus. According to account XXXX Navient continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed information that is inaccurate and should be removed.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed information that is inaccurate and should be removed.

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 2020-06-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Costco switched from XXXX XXXX to Costco Anywhere Visa by Citibank in 2016. During the time that this occurred, I moved, I never received the new card and I never wanted the credit card. The Costco membership was charged to the credit  card without my permission. Both the charge, late fees that were incurred and the interest on those charges and late fees was on the card for months without my knowledge. 

When I found out that this occurred, I called both Citibank and XXXX to get the issue resolved. They promised me that they would refund the charge, the late fees and interest and then close the account. They also promised me that it will not negatively affect my credit score. 

They refunded the charge, the late fees and interest and failed to close the account and proceeded to re-charge me everything for a total of {$83.00}. This has caused major damage to my credit score which was at over XXXX and now is at XXXX. According to my credit report dated XXXX ; Citibank is still reporting this derogatory footnote as a charge off. I was never notified and I only found this out when I went to apply for a refinance loan for my mortgage. 

I attempted to call Citibank, but agent couldn't help me and blind transferred me to a " Specialist '' which ended up to be a voicemail box of someone who's office is closed. 

I attempted to call Costco and the automated phone system automatically transfers me back to Citibank.

Citicard Account Number Ending in XXXX ( I do not know the account number since I never received the card ). 
XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2020-06-01 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: LA

Complaint narrative:
I was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

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 2020-06-01 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: LA

Complaint narrative:
I was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

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 2020-06-01 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I  agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ).  How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

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 2020-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

Company response to consumer: Closed with explanation