vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is an account from XXXX XXXX XXXX  that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is an account from XXXX XXXX XXXX that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.

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 2019-07-01 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to XXXX  requesting the inquiry be removed or validation be provided. I received a letter from Synchrony Bank dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called Synchrony Bank on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to XXXX  and Synchrony Bank. I received yet another response from Synchrony Bank stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from 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 non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
A XXXX dollar withdrawl and XXXX withrawl was drawn fro. My bank moble acoount through my school occc banks disclosing my info and authoriztion on statments chase XXXX XXXX human departmant of services says i dont qualify for unemployment ssdi denied me twice i dont recive pensions but my credit report says morgage loans car loans credi cards my name i s XXXX XXXX i live in XXXX oklahoma XXXX XXXX i live in public housing and recive a XXXX utility check a group of people broke in my home i. XXXX and stole my car crefitantials and id bank numbers deeds trust i belive i was institutionalized from XXXX to XXXX there's cameras on the property i went to managment and sh e gave me security number they stole my goverment phone my XXXX hp computer with important files in pertaning confidintal things my will wishes deeds medical info XXXX XXXX accounts and XXXX XXXX ive been a target of theft i sent the documents to the 3 credit bureus in XXXX of XX/XX/2018 they havent delevered me anything i gave them copies of social w2s and id but i moved since then to XXXX XXXX XXXX XXXX XXXX i need help recoverng my life and ownership back. Chase trust banks and all. Other banks i contacted said i hold no accounts iras accounts or buisness accounts i feel like i been diqscriminated aginst with fair housing having me appeal the denial of access

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My loan was sold to XXXX XXXX last year, and I have had nothing but XXXX dealing with them. I pay online monthly through XXXX XXXX, and they constantly don't get it and are calling me that the payment hasn't been made. I verify with XXXX XXXX and it in fact has been made. When I call XXXX back I am on hold for about an hour each time. The person who answers says they can't help me and that someone will email me or call me, and no one ever does. I have had 2 different payments show up as delinquent because of this and it is effecting my credit history. I called again today for the same issue, and put my number in the automated system for a call back. No one ever called back, so I am on the phone again and it's already been 30 minutes. 

I also submitted a request for new appraisal with a check as directed by XXXX XXXX. It was received and applied to my loan. I called to complain it was changed with the promise of new appraisal to come. I never received a new appraisal, and I finally asked for a refund and it has not been refunded. 

My loan number is 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 2019-07-01 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have tried multiple times to contact XXXX XXXX XXXX for the late payments that are showing on my credit report. I do not understand their language and nothing seems to get resolved so I want to see if someone can help me to remove the late payments from my credit report for the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was having health issues and moved states called and had them change my due date from the last days of the month to the beginning of the cycle and it was never changed. 
It was not my fault. Please remove I am trying to purchase a home and this needs to be removed immediately, Thank you

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Huntington sold my account to XXXX XX/XX/XXXX. I have attempted 3 times to get statements from my Huntington account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 3 times, and each time I get passed around. By the time I reached someone, they said I needed to call XXXX XX/XX/XXXX. This makes no sense, because XXXX didn't have my account at the time. I've spent hours trying to do this, and it is preventing me from obtaining financing on a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, 2019 and XX/XX/2019. I sent in a certified letter requesting the hard inquiries be deleted as I didnt authorize them. Transunion refused to delete them.

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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to Transunion requesting the inquiry be removed or validation be provided. I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called XXXX XXXX  on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to TransUnion and XXXX XXXX. I received yet another response from XXXX XXXX stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from TransUnion.

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 2019-07-01 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:
Removal of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from SYNCB. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call SYNCB they tell me that it's not them and is on my report fraudulent to contact again credit bureau and 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 2019-07-01 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: Credit Karma, LLC
State: KS

Complaint narrative:
I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I am having problems with Home Depot or THD/CBNA removing late payments from my credit report. I had always an amazing payment history with them and always made all my payments on time with them. Now I am trying to buy a house and it is affecting my credit score. The late payments for dates XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. I always had a high balance but decided to close down the account completely and pay of the high balance. I would really appreciate if Home Depot would remove those late payments from my credit report. Thank you

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 2019-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Request of terms, rules, agreements with various locations of the banks various dates in XXXX and XXXX. Put letter in writing. Called inquiry number. Reported to credit reporting agencies.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT  BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,

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 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I work for XXXX as an XXXX. I have been on income driven repayment for five years as I am XXXX   and have XXXX young children. The Pennsylvania Higher Education Assistance Agency denied my annual recertification and has not provided information as to why. No significant changes have occurred since last year and my wife signed as has been standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was attending a yoga class when my car was broken into and personal items were taken from my vehicle including my purse and wallet. The person who broke into my car decided to use my debit card at a XXXX XXXX XXXX XXXX XXXX XXXX, charging over XXXX dollars. When the bank called me about the suspicious charges, I said that I did not make those charges, but I did say the card was in my possession because I did not know that my car had gotten broken into at the time. When I discovered that my car had gotten broke into, I immediately filed a police report and notified Chase. Chase gave me a temporary refund, but reversed the reimbursement, stating that in a letter the payments were authorized. When I called Chase to ask for my reimbursement, they said that there was nothing they can do about it. I have been a long time Chase customer and never had an issue with Chase, but I can not believe how unreasonable they were during this process. I could never spend that much money at a grocery store for just one transaction. I was hoping that they were able to work with me and get me my money back, but they have not contacted me since they said they would reopen the investigation on the fraudulent charges made on my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-01 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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