vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Administration are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
Prestige has violated my ADA Disability Ac
t under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with Prestige Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with XXXX , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with XXXXXXXX, Prestige Compliance Manager. 
XXXXXXXX just want to protect XXXXXXXX and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX  credit Reporting Agency stated they receive the verification of Derogatory remarks removals of XXXX days of XXXX from Prestige credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that Prestige has business partnerships with 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 2019-03-20 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: TX

Complaint narrative:
I filed complaints on a item reported which was not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}. Upon review I did not sign or authorize the use of my name on the credit application. XXXX XXXX  XXXX responded in writing to me and removed the information from XXXX. I am certain they also submitted the information to Equifax and to XXXX. Equifax is still reporting the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I purchased my house in XX/XX/XXXX and did a major renovation and substantial improvements to my home. My loan value required to have PMI insurance. My plan was to increase the value of the home by doing a major renovation. I added {$50000.00} in renovations to my house. My first letter to Specialized Loan servicing was mailed out XXXX XXXX. I did not receive a response until XX/XX/XXXX rejecting my request based on the original loan value and appraisal done when I bought my house. Based on their XX/XX/XXXX letter, I do meet the requirement for requesting an appraisal. When I purchased this property, the plan was to remodel the property and have another appraisal done. Since all renovations have been completed, I feel the appraisal value has increased more than {$40000.00}. My XXXX sale agent, who sold the home, stopped by and stated the new value of the home increased approximately to {$370000.00}. The original appraisal value of my property, when the home was sold, was {$310000.00}. Since my PMI, at 80 % loan value, needs to be at {$34000.00}, the value of the home needs to increase approximately by {$28000.00}. Since Im confident the value will increase to the required amount, I requested an authorize in house appraisal BPO to be conducted. I signed their Authorization for Internal Valuation form and mailed it on XX/XX/XXXX. Since I did not here back from them, I called their office only to tell me they sent a letter out denying my RIGHT to have the PMI review. Not sure why they can deny this since I requested this and Im paying for the for the appraisal. They stated they sent me a letter in XXXX, which I never received. The SLS agent stated I could go on line and review the letter in my account. I asked to speak to his supervisor and the agent stated that I could not, and their supervisors dont handle this issue. I never heard of not being able to talk to someone regarding your loan issues. I think they are trying to drag this out as-long-as they can to continue to receive my PMI payment. I asked for the agent to also send me the letter out again and I today I have not seen the letter. I went into my account and could not find the letter denying my right to request an appraisal. Please help

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 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
For my account XXXX, it was closed effective XX/XX/XXXX. In this instance, they have about {$1400.00} left in my account between my check and my other savings. They told me a cashier 's check would be mailed on XX/XX/XXXX with the leftover funds. I talked to them today with no clear cut answer. Please follow up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.

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 2019-03-20 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: CO

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.

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 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX reported a medical collections account in the amount of {$1500.00} to Equifax without notifying me of the debt and giving me an opportunity to dispute or validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, Chase froze my account when I tried to make a phone call to make sure my card doesn't get declined, because it always get declined. So when I ask the reasoning to why they closed my account, Chase couldn't give me a valid answer to why I couldn't use my card. Also, this isn't my first compliant on Chase to why they keep closing my account. Chase is targeting me because I am young. I am feeling very discriminated against that because I am young successful working guy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I'm looking at my credit report through XXXX XXXX, and I see that Factual Data pulled two  hard inquires 9 days apart from one another. The first one I did authorize, but the second one I did not. Why would the same company need to pull my credit history twice anyways? It does not make sense. I believe that was an error. Please help me resolve it. Thanks you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX   XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
XXXX has violated my XXXX XXXX Act under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with XXXX Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with Experian , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with Mr.XXXX, XXXX Compliance Manager. 
Mr.XXXX just want to protect Ms.XXXX  and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX credit Reporting Agency stated they receive the verification of Derogatory remarks removals of 30-60-90 days of XXXX from XXXX credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that XXXX has business partnerships with XXXX, Experian?

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 2019-03-20 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: CL Holdings LLC
State: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX   XXXX XXXX Val {$620.00} XXXX XXXX - XXXX   XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX   - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX  {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX -  partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX  and XXXX  are reporting incorrectly that I am 120 days past due on loans with NAVIENT - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My complaint is with LOANCARE A SERVICELINK COMPANY, this complaint starts back to XX/XX/2018, after Hurricane Michael had destroyed my condo in XXXX XXXX FL, I took the right steps in notifying them right away that the property was destroyed and I asked them what my next steps should be. They told me they would put a forbearance on my account for 3 months, at the time I thought this would be enough time for me to receive my insurance checks and payoff my mortgage because the HOA voted to not rebuild the condos. Once the 3 months was up I informed them that I was still waiting for a 3rd insurance check to pay off the mortgage in full. LOANCARE told me that there was nothing they could do and expected me to make an XXXX mortgage payment on a property that was destroyed, after I had to move, find a new job and place to live. I told them I could not do this and asked them to wait a few weeks for the last insurance check. They did not, and started attacking my credit with a 75 point deduction every month that it was late. When I finally received the 3rd insurance check, I Noticed that the check was made out to the wrong mortgage company ; it was made out to XXXX XXXX XXXX XXXX, the mortgage company I originally bought the mortgage from, they then sold the lean on the property to LOANCARE. I was told by the XXXX XXXX ( where the property is located ) Clerk of court that the records have to be updated by the mortgage company that they own the lean on that land. ( you are supposed to do this when a mortgage company transfers to another, but it was not done ) So the HOA Trust fund can cut me a new check with the updated mortgage company. I have been calling countless time to inform them of this to no avail. They just transfer me back and forth between their insurance department and mortgage department. Telling me they have no idea who deals with that or they will do it and then nothing happens, I then call back, and they act like they never even heard from me in the first place. At the same time they pile more and more late fees, interest, onto the payoff statement. It has been 6 months since Hurricane Michael. I have the means to pay it off in full but they will not do their part.

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 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello I opened a credit application with the XXXX XXXX XXXX XXXX XXXX. They rand my credit twice which decreased my credit score and then would not let me cancel or withdraw the application before it was confirmed. They would not give me a reason and basically are forcing me to accept their terms. Moreover, they can't tell my why the review process is taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX contacted a family member and gave them specific information about my debt and they have my phone number and address

Company response to consumer: Closed with non-monetary relief