vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The security verification is incorrect. 
I do not recognize any of the loans that the security verification recognizes and I noticed that the month and the year that the loans were issued I wasn't even in town. 
I noticed that sometimes two different individuals with the same name might get confused with each other so I just wanted to make sure that this is not the issue. 
If this is not the issue then I need help getting into my account but I do know that information that it's requesting me to verify is inaccurate.

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 2018-12-03 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I talk to Experian office of consumer affairs that no companies cant access my Experian credit report when they tried to access it they get no hit and also I tried to access it thru Experian .com and it keeps giving me a message saying technical difficulties theirs no freeze or credit lock on my report. I think Experian office of consumer affairs put a block on my file from their system so that I can't access it or any other creditor also I call them about this all the time is they act like theirs no problem with my report what they doing is holding my file hostage it's causing damage to me in delay me in getting credit. My name XXXX XXXX social XXXX XX/XX/XXXX date of birth please take action

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 2018-12-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting to Experian and XXXX XXXX erroneous information they have submitted XXXX different versions of late payment now it shows charges off since XX/XX/2017 this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XXXX I want this removed from my 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 2018-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. 


I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Home Depot Credit I was denied card due to " Unable to verify identity information '' I found another name on account " XXXX XXXX XXXX '' this is not me!!! Iam XXXX 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 2018-12-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting to XXXX  and XXXX XXXX erroneous information they have submitted 3 different versions of late payment now it shows charges off since XX/XX/XXXX this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XX/XX/XXXX I want this removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: NY

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/18 I utilized My USAA checking account to purchase concert tickets from a seller for {$520.00}. The seller requested the transaction go through XXXX. The money was sent via XXXX and tickets were not sent. I immediately contacted USAA in less than 5 minutes of the transaction to request a freeze be placed on the transaction. I explained that fraud had occurred. USAA stated it was nothing could be done since the transaction occurs instantly. All I could do was send a request to the seller asking for money. I called my bank back again and explained the fraudulent situation and received the same answer. Bank are advertising XXXX as a feature to its consumers to use. They are boldly stating the benefits of it but not fully explaining the disadvantages to its consumers. This is cause multiple customers to be scammed by scammers. After this incident happened to be I googled XXXX and scammed. I saw numerous people with the same issue. USAA states they are not liable because they completed the transaction as requested. I feel the bank should be liable because they offer the service. The bank presented all these benefits of the service. The bank do not have proper disclosure to state this transaction can not be disputed by your bank, once the transaction is completed it can not be reversed, returned or disputed. Are you sure you want to continue? This type of verbiage needs to be added to all banks that offer the XXXX feature. There are no repercussions and banks are legally allowing the consumers to be scammed. USAA has a dispute process for a lot of transactions but to offer a service that puts customers at risk and there is nothing to be done to protect the consumer is a huge issue. Making consumers aware like they notify of other disclosures should be a requirement for banks. Or they should not offer a product or service they can not back. I've had a checking account with USAA for a long time and their service is great. Based on prior experience with them is why I trusted XXXX and the process. Now that I am aware of the exposure and risk, I feel more need to be done by companies offering a service to make the consumer aware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: NY

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They sat I owe XXXX XXXX XXXX XXXX XXXX for some sort of medical I've made several attempts to tell them I've been on Florida medicade since XXXX giving them all info to confirm this. I've filed a dispute with trans union they denied the dispute here is the number they gave me. XXXX. I'm at my wits end I've tried to rectify this to no avail. I can't even get the date of the service I was billed for but i was in a Florida prison from over a year prior to the date on my credit report until XX/XX/XXXX. No one will give me any info they just want ne to arrange a payment plan

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 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Compass Bank approved me for a loan modification in XX/XX/2017. I asked them for a break down of the numbers to show how them came to the balance owed for the loan modification document. They stated that I would see the numbers when I signed the loan modification paperwork. I went to the bank to sign the modification papers and review the figures. All the bank had was the modification documents. I called the department I had been dealing with and could not reach anyone. I went ahead and signed so as to not lose my home and continued to try and get the numbers from Compass Bank. I never received the figures and when I received my first mortgage statement it showed my first payment due in the amount of XXXX and stated we have referred your account for foreclosure. Again I call and can not reach anyone. I went to the local bank and they said there is nothing they can do nor could they take my payment that I agreed to on the modification papers. This continued on month after month with my payment going to XXXX and each month just kept going up and I couldn't get any help. Then Compass Bank starts foreclosing on my property. I emailed Compass Bank 's attorney and they could not help nor would Compass Bank. They said apply for another modification. They would not even address the questions nor the issue. Then I sent in the request for loan modification just to save my home and XXXX XXXX states its too late I needed to pay thousands of dollars XXXX or XXXX I can't remember because she kept changing the figure or they will not move the sale date. Still not addressing the payment issue. Therefore I had to file Bankruptcy so as to not lose my house,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was told on the phone from Chase by XXXX on XX/XX/XXXX XXXX that transferring my credit line from one card to another world NOT pull my credit or go on my credit report. I am now seeing that on my credit report and I think it should be removed. I received false information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$350.00} ( charge-off ) &  XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IL

Complaint narrative:
In XX/XX/XXXX through no fault of the " Mortgage Solution '' we received a notice from the mortgage Co, that our escrow was short. Unfortunately our city property taxes, went up from XXXX to XXXX. So I went to my city to figure out what was going on. I was informed that I had not filed my exemptions in 3 years and was getting money back for all three years. 

My problem is that after I went to XXXX Courthouse, on the check back for 2017, they told me to send the 'overpayment ' amount to the mortgage co , and they would then adjust my amount due. I did that on XX/XX/XXXX. On XX/XX/XXXX, my mortgage was still over XXXX. So I called them and was told, that the county letter of 'overpayment ' was not enough from them. They would need direct info from XXXX. Then in XX/XX/XXXX I sent in XXXX to mortgage co. towards my tax escrow. They told me, because of the shortage that would not be enough to go down on my mortgage. Everytime I talk to someone there, I'm getting another lie. We can not afford to keep paying this amount, and since XX/XX/XXXX, they've locked me out of my online acct. Why!!!!! We've not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
Trying to use a " XXXX XXXX '' online calculator, I inadvertently submitted a request for mortgage brokers to contact me. QUICKEN LOANS immediately contacted me by phone. I told them it was premature because I needed to fix some things on my credit report, including waiting a few more weeks for some hard inquiries to go away after two years. I explained I did NOT want them to do a hard inquiry because it was premature. I explained the situation, because I was willing to work with them when the time was right. After my explanation, I asked " what are the next steps? '' The male person on the call ( there were two, one was female ) said the next step would be to pull a credit report, and I said OK, acknowledging that such would be the next step. I expected him to continue by giving me contact information that I could use when I was ready to run the report. Instead, he ran a hard report in direct contradiction to my express instructions. That hard inquiry is now on my report for two years, and has already negatively affected my credit. I told them to contact the credit bureaus and explain that it was their mistake but they refused. I am extremely angry because I have been working on my credit. I need to refinance and this will negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: FL

Complaint narrative:
On XX/XX/XXXX hurricane Micheal affected my area, I live in XXXX XXXX, fl, I was without phone service and internet. Once phone service was restored I attempted to reach out to XXXX XXXX to ask if there was any way they could offer assistance since I was also out of work for over a month. I attempted to call and email and never heard a response. They reported my late payment and charged me late fees. I still have very limited internet access and I still have not heard from them except to receive my next monthly statement.

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 2018-12-03 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:
Contacted Experian with a companies ilegal reporting of an account that is 14 years old, the company has illegally re-aged the debt to reflect current activity reflecting the last 6 months as the debt being past due. The account has been resold various times and each time the company fraudulently reports outdated information as new to damage my credit And experian fails to properly investigate or block the information according to FCRA law. 

Company is XXXX XXXX XXXX XXXX which is not the collection agency legal name, and the address is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Opened XXXX I have been denied credit and had to pay a higher interest rate on car purchase because of this ilegal reported item. 

Experian Fails yo remove the item

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