vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

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 2019-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
You still have not sent me proof of deferment on loan and why did I pay interest twice once on statement and once on pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
We have water damage to our home and the insurance company made the check payable to Pennymac and the flooring company. After several months the mortgage company is still refusing to endorse the check over to the flooring company. We ( myself and the flooring company ) have done everything the mortgage company has asked. The mortgage company keeps saying one thing and then changing things the next time you call. they even told the flooring company that they called me and I cancelled an inspection of my house and that is why they could not endorse the check. NO ONE from the mortgage company has EVER called me. This is so frustrating and I have spent way to much time dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
Following a review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a XXXX XXXXXXXX Visa credit card under account number XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to Equifax, XXXX  and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX Visa credit card under account number XXXX-XXXX-XXXX-XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

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 2019-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I paid my debt but the company Cach LLC refused to update the information on the credit report stating they have no record of being paid. They garnished my wages but still stated monthly that I missed payments causing my score to plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted American Express through their chat help window to inquire if I was eligible to receive the bonus on their new XXXX XXXX Credit Card. The chat agent assured me that the only reason that I would not receive their bonus is if I had applied for the same card previously, and encouraged me to apply under the pretense that I would be receiving the bonus because he confirmed that I had never applied or held the XXXX Credit Card. 

I received the card and completed their {$5000.00} minimum spend to receive the bonus on XX/XX/XXXX, and made a payment in full on XX/XX/XXXX. 

I then contacted their chat agent on XX/XX/XXXX to inquire about when I would receive my bonus points and at this time I was told that I was not eligible and that their chat agent had given me incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is with Equifax. I submitted a dispute XX/XX/2019 online, for some reason the online portal would not allow me to continue so it had provided me a form to manually submit through email. On the dispute form I submitted, it included only 2 accounts. One with the amount of {$310.00} for XXXX XXXX and the other in the amount of around {$1400.00} with XXXX XXXX, original creditor XXXX XXXX. As I submitted the form, it was having trouble and did not provide a confirmation. I followed up with a phone call XX/XX/2019 and spoke with a representative which confirmed a dispute was submitted and the confirmation number was XXXX. She then confirmed one of the 2 accounts were not included and proceeded to help me with another dispute, confirmation number XXXX. A few weeks passed and I received email confirmation that my disputed were resolved on XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I discovered most accounts on my credit profile were deleted. All of my open accounts that are correct and current were deleted. I have been in contact with multiple agents and supervisors. I have been told to contact my creditors and my creditors have confirmed they have been reporting to all three credit bureaus. My XXXX and XXXX profiles are correct for the most part and are updating, but Equifax has still not resolved this issue. This is affecting me tremendously and I need this to resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Got a national Credit System collection on my credit, I give written notice to the creditors bureaus for a debt validation and the results were that the only one deleting the account was XXXX, write a second and a third time for a reason, validation, and deletion with no answer. 

XXXX XXXX XXXX Opened on XX/XX/XXXX. Last reported XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion I'm sorry But you Guys are in major Violation Of the FCRA. after reviewing my credit report with my lawyer today and he Pointed out some Violation that I had Missed I need you to take a look at what you are reporting on a XXXX XXXX XXXX credit file account # XXXX you are reporting a Charged off account with a past due amount OF XXXX on a charge off how is this possible please explain? Violation 2 ) the account is reporting a balance of {$5400.00} this CAN NOT REPORT THIS WAY XXXX XXXX XXXX HAS SOLD THE ACCOUNT ONLY THE 3RD PARTY IS ALLOWED TO REPORT THE BLANCE.. ALSO YOU ARE NOT REPORTING WHO THE ACCOUNT WAS SOLD TO SO TRANSUNION I'M GOING TO NEED YOU TO DELETE THIS ACCOUNT IMMEDIATELY! THANK YOU FOR YOUR COOPERATION FCRA IS VERY VERY CLEAR ABOUT THIS

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 2019-05-06 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: FL

Complaint narrative:
Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.

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 2019-05-06 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: FL

Complaint narrative:
Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As stated in the last complaint Capital One continues neglect me as a consumer. I have been battling with them since 2017 about my accounts and how I need them to update things, so I could have access to pay my bill. The employees refused to be sensitive to my pronouns and name change as result my account was closed after years of torture from this credit card company I'm still left with a punishment and a persistent reminder. I got a response my first complaint today, which just a apologize and a justification for what has happened to me over the last few years. On top of that XXXX from the excutive office called today and told me that I wouldn't have an issue with login any more. I said that's great but what about my account being closed she said she would look into it but it would be hard reverse. I have two accounts one I recently paid off and what no one told me is that account was technically closed too. I want my accounts back open, I deserve that. Before my mobile app stopped working I was paying my bills on to time. No one should have go through what this company continues to put me through. I don't know if it's because I'm XXXX or because they are XXXX and XXXX   but this continues even after an apology from them. I want my accounts reinstalled this is cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Equitable Acceptance Corp
State: NC

Complaint narrative:
I believe XX/XX/2017 I started paying {$XXXX} monthly to this company for student loans which was supposed to be a public safety loan forgiveness program since I am in public safety. I have been over 2 years now which adds up just over {$1000.00}. I have been trying to straighten out my student loans and come to realize this company is fraud. I also see several other people have complaints against this company as well. I found this company through a family friend who thought it was credible. I notified my bank to not allow them to take anymore money out of my account from this point forward. I still have emails and text messages from them since day 1. I was advised to just cut ties with them and not attempt to call them when I was talking to XXXX and they also said that this company had an incorrect and low income amount for me and that I had a household of 2 which is also incorrect. They just emailed me to re-certify again through them which led me to cancel them. Just about all contact with them were via email. I am not sure what to do now and I hope this complain will resolve things with this fraud. I would hope to get some money back that I assume is just lost now but any help will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I am being robo-call harassed daily by a collection company called XXXX XXXX   XXXX. They are calling in an attempt to collect on old ( zombie ) debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them to leave me alone and stop contacting me and that they do not have my permission to call my phone or contact me by any other means. I have ask them to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocalls. I would like to sue XXXX XXXX XXXX in a court of law for the maximum {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.

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 2019-05-06 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: MI

Complaint narrative:
I AM FILING A COMPLAINT TODAY AGAINST THE CREDIT BUREAU EQUIFAX. I RECENTLY FILED A DISPUTE WITH THIS CREDIT BUREAU REGARING A CREDIT CARD THAT WAS OPENED DUE TO IDENTITY THEFT. I FILED AN IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION AND SEND THIS INFORMATION TO EQUIFAX INCLUDING A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, PHONE BILL, AND A LETTER ASKING EQUIFAX TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT UNDER THE LAWS OF SECTION 605B OF THE FCRA. TODAY I CONTACTED EQUIFAX TO FOLLOW UP ON MY DISPUTE AND WAS TOLD THAT MY DISPUTE WAS REJECTED AND THAT EQUIFAX DOES NOT BLOCK FRAUDULENT ITEMS FROM CREDIT REPORTS. I AM NOT SURE WHY EQUIFAX IS NOT ABIDING BY SECTION 605B OF THE FCRA BUT THIS IS CAUSING ME SERIOUS FINANCIAL HARDSHIP BECAUSE I AM TRYING TO CLOSE ON MY HOME MORTGAGE. EQUIFAX IS IN VIOLATIONS OF THE FCRA AND I AM EXPECTING A RESOLUTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITY NATIONAL BANK
State: GA

Complaint narrative:
I have an active City National Bank Visa Infinite Credit Card. As part of the agreement, I earn reward points for travel purchases. 

The bank has engaged in unauthorized/fraudulent deductions of the reward points balances : In XX/XX/XXXX XXXX reward points were deducted without my permission or knowledge In XX/XX/XXXX, XXXX reward points were again deducted without my permission or knowledge. 

I have contacted the bank and banking representative XXXX XXXX, Tel : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX XXXX in regards to this issue at least 3-4 times and I have not received a resolution from the bank. I was provided with a claim by the bank that these point deductions relate to fuel/gas pump transactions. While those fuel dispensing charges are valid, no point deductions were authorized as part of the fuel transactions. 

Attachements : 1. XXXX = This shows unauthorized point redemption activity on the XXXX Statement 2. XXXX = This shows unauhtorized piont redemption activity on the XXXX Statement 3. XXXX = This is a receipt for the transaction for fuel charges that the merchant states is associated with point redemption ( this receipt or invoice does not reflect any point redemption )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is denying credit based on federally protected characteristics as opposed to credit strength. I applied for their XXXX XXXX credit card. The application went pending, then was denied. I called the reconsideration hotline and the woman told me she would personally reconsider the application. She then denied it stating there were too many inquiries. I asked her how many was too many. She stated she did not know. It didn't make sense she was making a credit decision without any credit guidelines. I then asked to speak with a manager. I asked him the same question : how many inquiries are too many to be approved for an XXXX XXXX credit card? He told me it varied by customer. He also told me he did not have an answer. Since he could not produce credit guidelines related to inquiries, I believe that he and the other representative, who were clearly not based in the United States, are basing lending reconsiderations on XXXX XXXX and XXXX. If there is no standard, why am I being denied as a person with a XXXX name and American accent when they have told me that other people can be approved with the same profile since there is no credit guideline standard? It is discrimination, plain and simple.

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 2019-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Dream Center Education Holdings
State: MI

Complaint narrative:
Back in XX/XX/XXXX, The Illinois XXXX XXXX XXXX came to my school. They had salesmen as recruiters and pushed me to go out to XXXX for this school. In XX/XX/XXXX the stock market crashed they forced me into doing private loans to finish the program. Ever since then my private loans were being sold off to other companies. I am looking into any options that I can possibly do to reducing or getting rid of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have tried to get a loan modification from SLS ( SPECIALIZED LOAN SERVICING ) My hardship started when both my parents got sick. My father had XXXX XXXX and My mother was diagnosed with XXXX both at the same time. My father and I have owned a company for over 30 years. My Father could not continue to work any longer. They were both put in XXXX at home. Both my sister and I were there to care for them as their health started to rapidly get worse. I was unable to work as both my sister and I would switch off taking care of them. In XXXX of 2017 my parents XXXX XXXX  11 days apart. Since then I have had to file Chapter XXXX. With being so behind on my payments I have a XXXX regular mortgage payment and a XXXX Chapter XXXX payment. Roughly XXXX per month. So far I am keeping up however being self employed I do not know how much longer I can do it. If SLS sees that I am making both payments why wouldn't they help me with a loan modification so this would relieve some of the pressure? I have put almost XXXX worth of work in my home and don't want to leave. I would hope that they would give me a shot at a loan modification. Have a little heart and see what I have been through,

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 2019-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Filed XX/XX/2018 to get issue corrected. Says im still reponsible

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