vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed the Account of XXXX XXXX with Equifax more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for Equifax to validate this account with a person and out the use of XXXX or any other automated validation systems and validate that they have the original signed contract for this account. 

Equifax has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
nationstar dba mr. cooper has declined doing a hardship medical modification because we had one for same reason 12 months ago. they have been very uncoperatuve. dealing only with a call center person XXXX XXXX who says a lot of people have medicll issues. this mortgage is my wifes name she is recovering trying to from XXXX XXXX  I am her husband of XXXX yrs XXXX  vet and getting treated after you have paid mortgage for over 15 years. is wrong I had to quit work to take care of wife the judge state flordia said that was great. I need someone to contact natonstat you ony can fax these people you canot call. please help us wife in dr. XXXX hospital now.i

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Tried to pull two credit reports today ; Experian and XXXX. 

For identity verification, XXXX  displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with XXXX. 

Later today I tried to pull my Experian report and received the following message - " We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. ''

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 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
I disputed the Account of XXXX XXXX with XXXX more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for XXXX to validate this account with a person and out the use of XXXX   or any other automated validation systems and validate that they have the original signed contract for this account. 

XXXX has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Credit Adjustments Inc
State: WA

Complaint narrative:
I have been trying to reach Credit Adjustments Inc. by telephone for days. I dial the number and get a recording that says all representatives are busy handling other calls, please hold for the next available representative. After being on hold for 5 minutes, it goes to a busy signal or voicemail. I have left messages, and they won't return my call. I have called every 5 minutes, for hours at a time. Somehow, they know who is calling and are ignoring me ; and, are just waiting for my Social Security to be garnished in XX/XX/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 2019-02-25 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: MO

Complaint narrative:
Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: CA

Complaint narrative:
I have contacted Transunion an inordinate amount of times regarding updating my credit report after my Chapter XXXX bankruptcy discharge. They are listing accounts from XXXX XXXX XXXX as active accounts. These accounts were included in the bankruptcy years ago. There have been no new accounts or dealings with any company associated with XXXX XXXX. I should not have these items on my credit report any longer. I have sent in copies of my bankruptcy discharge papers as well as proof of my address and how long I've lived there. This has all been to no avail. I have asked several times to be provided with any data they have so that I may file an identity theft report if someone has in fact utilized my information without my consent. To date they have provided nothing. They continue to snd back computer generated letters stating the debts have been verified but according to the Federal Credit Reporting Act this is false. That to me seems unlawful. Therefore I filed a complaint with CFPB previously. You, too were unable to resolve this matter with Transunion. This is against the law. I have contacted this XXXX XXXX company over 30 times. They admit to having received my bankruptcy notification. Then when I ask to speak to a supervisor to assist in communicating this to Transunion, I am transferred around and mysteriously hung up on. This is all absurd and I will be filing lawsuit and complaint with the federal court with regard to the bankruptcy laws being violated within the next few days.

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 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a gold checking account with US Bank in XXXX of last year, and was told the account would be fee free as long as I had a US Bank Credit Card. The card was closed without my knowledge ( I did not receive a message or letter stating the card was closed ) and I was charged monthly fees of {$14.00} for XXXX and XXXX. I would like to request that these fees be refunded since I was not informed at the time that the card was being closed.

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 2019-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
I purchased a XXXX XXXX XXXX and financed it through Prestige Financial. I had just come out of bankruptcy and lost my other car in the BK. I had very limited choices on finance companies to get a loan from. My interest rate is very high, but I accept that due to my credit score. From the very first payment in XX/XX/XXXX, I began getting phone calls, texts and emails on the day my payment was due and they continued repeatedly sometimes two to three times a day until the payment was made. My account was never over 5-10 days late. However, I was threatened with being turned over to collections, etc. They even called my father and my daughter which really upset them. Due to poor health, the loss of my job and death of family members and other hardships, I have been late on my payments, but never over 30 days. However, the harassment would continue and the threats became increasingly more hostile. When my father in law died in XX/XX/XXXX, I had to fly to XXXX, Texas from XXXX, Oregon to attend the services. I was not financially prepared for this sudden expense. I fell behind on the payment. I received call after call and numerous text demanding an explanation as to why I had not responded. I advised that I was grieving the loss of my dear father in law and did not appreciate the harassment. They apologized but demanded a payment arrangement. I made one just to get them off the phone and stop harassing me. I was still in Texas and did not want to deal with this. I had just lost my mother a few months before. I have been in ill health and have told them so. Regardless, theyre relentless in their harassing communications. I am well aware of my financial obligations and do not need to be harassed like this. I filedmy bankruptcy due to medical bills. I financed a car as I need reliable transportation. I have to set up payment arrangements with them even when I dont have the money or they wont stop the calls and the texts and emails and calling my family members. The most recent harassing communications came today, XX/XX/XXXX due to a failed payment arrangement. Again, I had to make one so they would stop bothering me. I have made all of my payments on the vehicle, albeit late. However, I have not been 30 days late and I pay a late fee each time. 
I am requesting the communications cease immediately and contact me only if I should run 30 delinquent. I am usually no more than 10 days late. I have received these unwanted communications every month starting on the day the payment is due, the XXXX of the month until it is paid. This has been going on Since XX/XX/XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 have been a victim of identity theft.

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 2019-02-25 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: NC

Complaint narrative:
XXXX XXXX gas card is not mine

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 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is the only credit bureau that did not correct the problems in my account after I was a victim of identity fraud. I sent them a letter in XX/XX/2016 with the police report after someone tried to open over a dozen lines of credit in my name. As a result two of these fraudulent address were listed as my addresses and after over two years Experian has still not corrected it. When I saw recently that it was not removed I went through their web site and was given a number to call for dispute resolution. There was absolutely no way to speak to a person and the recording just disconnects if you don't select one of their paying services. I want these fraudulent address removed from my account. This company has set up their systems so that it is frustrating to correct things and they are hoping people will give up. Well I won't.

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 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I spoke with someone in customer service department and they said the late payment could not be removed even if its been over 36 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: NC

Complaint narrative:
XXXX/ XXXX gas card is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: OH

Complaint narrative:
I was charged for two purchases from Amazon that I did not purchase. The first item was a toolkit ( {$32.00} ) on XX/XX/XXXX and the second item is book ( {$270.00} ) on XX/XX/XXXX. The items arrived with no packing information. On XX/XX/XXXX, I informed Amazon of the purchases and they admitted email tied to the transaction was not mine and thus it would not show up in my order history. They ensured me that no further purchases would occur. 

On XX/XX/XXXX, I then called Chase Credit cards and they promptly turned off the card number used in the purchases, issued me a new card and opened an investigation. The charges were removed from my account. 

On XX/XX/XXXX, I received a letter from Chase Bank Card Services informing me that my dispute was denied with the reason being " You received benefit from this transaction. '' On XX/XX/XXXX, I called the number on the letter and the worker on the line repeated what the letter said. I think she sensed my disappointment and promptly contacted Amazon with me on the line. The Amazon worker said they couldn't allow me to return the items as the email used to purchase the items was in " hold '' status. The Chase representative asked the Amazon representative what I should do with the property and the answer was to use or destroy the items. Shortly after, the Amazon person left the conversation and Chase representative said she would reopen a fraud investigation and the charges would not be on my bill. As of the writing of this complaint the charges are still on my account and there has been no written correspondence via Chase 's secure portal. 

I feel that Chase did not investigate the charges with Amazon the first time I reported and have no confidence after the call on XX/XX/XXXX. 

*Note : The book is titled " relations may be referred '' by XXXX XXXX . It is jibberish and incomplete. I did a search for this author and according to reviews from others, it is a scam published via Amazon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
An ACH debit came into the account ( XXXX ) which there were not enough funds to cover on XXXX XXXX, 2019. The payment was supposed to be returned unpaid but instead Discover pulled money from another one of my accounts as overdraft protection.The problem is I never setup nor agreed to overdraft protection.I asked Discover for proof such as a date that I signed up, a letter, or email confirmation and they were not able to locate any such documentation. I asked them to stop the transfer that was pending but they claimed they were unable to. This was an unauthorized transaction from my account as I never signed up for overdraft protection but all they said was I had to because they can't on there end. This caused other payments where the scheduled to come out to be in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received two letters from experian regarding dispute results, I have complained to this credit agency for months and they have not assist my request. Making the debt mine, I don't recall having any account with XXXX. I would like this item removed from my credit profile, Experian has not validated the debt as mine, but they continue to ignore my request of removal, they have violated many consumer laws.

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