vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: MI

Complaint narrative:
I received a letter from R.A. Rogers Inc dated XX/XX/XXXX. A collection that was placed by XXXX XXXX XXXX XXXX for a amount of XXXX. This is the only letter I have from R. A. Rogers Inc. This account appeared on my credit report without giving me 30 days to dispute a portion or all of the validity of this debt. The date on the letter is XX/XX/XXXX the date I got the alert about a new collection on XXXX XXXX was XX/XX/XXXX the actual date it was reported was XX/XX/XXXX.  It takes 30 days to appear on your report. How is this reporting fair. This collection is on my report before anything is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been dealing with XXXX since XXXX XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XXXX/XXXX/XXXX asking then to remove inaccurate information in which XXXX came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XXXX/XXXX/XXXX asking if XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XXXX/XXXX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion 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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Was notified that an XXXX XXXX XXXX account was opened I my name four years ago. Started receiving collection letters and phone calls from Diversified Consultant whom was handling the account for XXXX XXXX XXXX. After doing my research found out that my younger yesterday used my personal information too open several accounts and submit fraud. I then notified diversified consultant of the fraudulent activity. I sent evidence to XXXX XXXX XXXX and diversified consultant but whom ignored the evidence and continued with the collection process. I gave in and settled the amount requesting that they clear my name and remove from the credit report. Diversified Consultant in return took the payment and in return posted the paid collection on my credit report which was not the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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:
There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I am having trouble to get a problem removed from my credit report.My credit report is reporting late payments on the credit card. I have never been late. I have always made my payments on time. I have tried to correct this problem with the company and the credit agencies and they have not gotten back with me. I have not received no correspondence from neither. I am asking for you help to remove these negative marks from my credit report because it is damaging my life. 

Capital One Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I called my American Express to seek help with some problems with companies who took my money and never rendered me any services.I had to call several times as I feel the representative did not want to work on my problems because I was disconnected.I had two girls say no problem we will get them in dispute, then i was transferred to another girl who said it was to old.I explained to her that the merchants merchandise was not as described.I explained to her my husband and I are both legally XXXX and the company said no problem we will take care of everything.American Express told me so many different stories I still do not understand.They would not look at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.I was run around to seven different people who all seemed to have a different way of doing things.I talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ,and XXXX.I still did not get an answer.I heard so many different scenarios I was left feeling like I was just pushed around from one department to another without getting a definitive answer.Please help me get my refund as I never received any service for all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AR

Complaint narrative:
I contacted Primary Residential Mortgage, XXXX on Monday XXXX XXXX to start the mortgage process. I spoke with XXXX XXXX. I filled out the application the next day. He called me back to tell me I need to pay on a credit card to hopefully raise my credit enough to get approved for a loan with no money down. The next day, Wednesday, XXXX XXXX, I contacted XXXX XXXX to get a copy of my credit report that he didnt go over with me. We only spoke about the XXXX card. He asked why I wanted it and asked, what are you doing? I told him I wanted my credit report to look over it and that its mine. I asked to speak to a XXXX. XXXX XXXX hung up on me. I called back and spoke with the XXXX, XXXX XXXX XXXX, and told him what happened. He was not very concerned but told me he would mail me a copy of my credit report. On Thursday, XXXX XXXX, I still had not received my report, so I called and got XXXX XXXX XXXX secretary. I told her I still had not received my credit report. She called me back to say XXXX XXXX XXXX advised her he had requested it on Monday, XXXX XXXX, and I should have it soon. That was almost a week after I had asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My house was flooded in harvey and I am trying to repair but XXXX has taken my insurance money and will not return in a timely fashion I went in the to the XXXX branch on XXXX with an advance check which they endorsed. They did not tell me there was a process that needed to be followed with future payments. 

I have worked and used my own money to get my house repaired. 
On XXXX I went into the chasse branch with a chck for $ XXXX from my insurance company. 
They took the check and told me I need to fill out a number of forms to get any of my money from the insurance. 

I have been working since them to fill out all the forms and get them approved. They reject them and I have to do one more thing.One was rejected because my city and state were n't on there ... .my XXXX knows where we are.. 

Every time I have to do something else it is a three day turn around. Finally on XXXX they released XXXX of it but I have need the rest. They have not even reimbursed me for the receipts for things I have already paid. They will not send me any more of my money until I have jumped through all their hoops which I will do but every wekk it is something else. 

Last Tuesday I was assured that all my documentation was fine and would be accepted..today I find out that is not true. I need to resubmit some of it. Also once I submit it is a 3 day processing time and once it is accepted it is 6 days for the check to be MAILED. They ca n't even do a wire transfer. 

I am scheduled to be back in my home by XXXX but without any money I can not pay the XXXX for painted or purchase the floors or applicances. 

I received the packet on how to hand the disaster funds on XXXX when XXXX occured on XXXX. The is over two months after the fact. 

Aslo the people I talk to get everything wrong and I am told one thing then the next day they apologize and say that was wrong ... 

XXXX has been great My insurance has been great SBA has been great but Chase has been not only unhelpful but rude and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
money transfered but not received at any location or desired location in XXXX XXXX XXXX XXXX XXXX I transfered {$760.00} to XXXX with tracking XXXX XXXX WITH WESTERN UNION but the money is not received .I have called western union and e-mailed several times but no response hence this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX, I sent a certified letter with return receipt to XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX MN XXXX as listed on my credit reports, disputing the entry ( see attached documentation ). I specifically requested that they investigate the account entry and provide me any and all documentation that reflects this account entry is 100 percent accurate including the charge-off date as well as the amount reported as owed. XXXXt received my dispute ( see attached return receipt ) on XXXX XXXX, XXXX. I received a letter from XXXX datedXX/XX/XXXX whereby they assured me that the information reported was accurate, but that they would also be sending additional documentation. To date, I have not received any correspondence and it 's been well over 45 days. It is almost at the 60 day mark and they are yet to respond. It appears to me that XXXX has no supporting documentation to substantiate this entry as 100 % accurate and verifiable and therefore, it should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an account showing with XXXX XXXXXXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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:
There is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I wrote Transunion a letter in XXXX XXXX asking them to prove the inquires I have on my credit report. I did NOT authorize these inquires and there is n't any verbal or written signature anywhere to confirm these. I asked them for proof of authorization and never heard a response back from them. I wrote them a second request XXXX and still have not received any letter or documentation back. If these can not be verified then these inquiries need to be removed now please.

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 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
paypal has been holding on to {$500.00} for along time now about since XX/XX/XXXX2017 & one of the representatives on the phone said I could call back in 45 days which wasXX/XX/XXXX2017 I called them the next following day and they tell me a whole different story on why I ca n't withdraw my funds I gave them plenty of chances and sent plenty of emails saying I would file an complaint on their company but it seems they 're not taking me serious so this was the last option PayPal is the biggest scamming virtual bank there is

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! 

ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). 

AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. 

EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for and received a Citi XXXX XXXX XXXX credit card. I applied for an offer where if I spent {$3500.00} in the first 3 months I was to receive XXXX XXXX XXXX points. I called Citi before applying to confirm that I was eligible for the bonus since I had received the bonus in the past. They communicated by telephone to me that I was eligible for the bonus since I received it more than 2 years ago. I then applied for the card, received the card, and met the requirements for the bonus. Citi however never paid the bonus and states that I was not eligibe for the bonus since I had had an open card within 24 months. While that is true, I believe its a deceptive practice to ( 1 ) offer credit cards to persons whom the bank later determines are not eligible, and ( 2 ) to inform the applicant that they are eligible.

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 2017-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On Sunday, XXXX XXXX, XXXX my equifax score dropped from XXXX to XXXX with no explanation or reason. I know there was a recent breach with equifax and maybe it has something to do with their error. My current address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I own this home as of XXXX XXXX, XXXX. My old address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX should be listed behind my current address. Please correct these errors immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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:
I have submitted to Equifax XXXX XXXX in writing 4 times to remove or show proof of two items ( not mines ) that is showing negative on my credit report. I have requested in writing to show actual documents signed from these XXXX lendors, and the request is repeatedly being denied or being ignored. Equifax has sent me a letter indicating the outside collection agency XXXX not the original lender ) indicating that they have verified the account. I have ask them to provide to me who they verified the account with, name, and etc, They will not provide original documents from the original XXXX XXXX XXXX, and XXXX XXXX and therefore has ignored and denied to remove such items. By law it is my right to ask for signed documents with my signature from the original creditor, these items has not been provided. I was told that they do not have to provide me XXXX customer service ) with no information. I am requesting to remove XXXX and XXXX as I did not request to initiate services with these to companies. I also advised most of these lendors, ask for information over the phone to initiate services, which information can be breach or hack by someone else that is not me. I am not successful with Equifax to remove these items, or to show signed documents proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
In early XXXX, I settled several Navient loans, through collections agency XXXX XXXX XXXX, for {$2000.00}. To date, that settlement is not reflected by my Navient account, though the company does acknowledge receiving the money. Rather than applying the money to the settlement, as agreed, Navient has applied the money to outstanding interest. 

The company claims that it has not been notified that the money was intended to settle the private loans, despite the money coming from its collection agency. XXXX did not provide me with a settlement agreement in writing, though a XXXX XXXX spoke with today is allegedly working on providing a receipt so that I can provide the receipt to Navient. This should not be my responsibility. 

I would like to see this money applied to its agreed-upon purpose as soon as possible, and my account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency XXXX not report negative information that is more than XXXX years old or bankruptcies that are more than 10 years old. XXXX XXXX XXXX reports an old debt, unverified, as a collections account on my credit report. None of the debt is verified, there is no proof of payment information. In the state of Indiana debt older than six and one-half years must be cleared from the credit report of the consumer.

Company response to consumer: Closed with explanation