vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent in a complaint to Transunion in regards to Inquiries on my credit file that I did not make and Transunion said that these inquiries were verified, so I wrote Transunion again and ask, who verified these accounts and to send me documentations, names and number of the person or persons who verified these inquiries and still nothing from Transunion. I filed an Identity Theft document and sent to Transunion and yet these inquiries still remain on my credit file. I have done research on these crooked credit bureaus. I would like a live person to investigate my complaint instead of putting letters that I send thru XXXX which do not verify anything. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-03 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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THIS DEROGATORY ACCOUNT HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THIS INACCURATELY PLACED ACCOUNT OFF MY CREDIT FILE.

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 2019-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I banked with XXXX since XXXX of XXXX and shortly opening the checking account I noticed some very tedious transactions from Paypal. I contacted my bank and asked them to dispute these fraudulent charges and they said they would. 2 months after XXXX sends me a verification stating that some were credited and others were found that they had been legitimate! How I told them they were not my charges!? I contacted Paypal in XX/XX/XXXX to discuss how this may have happened and advised them the only time Ive done business with PayPal was roughly XXXX. I gave Paypal all the information they requested from me to discover 2 accounts had been tied to my name fraudulently and requested they be disputed and terminated. I gave Paypal several phone calls between XXXX and XXXX of XXXX and there still has been limited action taken to help me resolve this matter. In XXXX XXXX removes me as a consumer setting my account XXXX XXXX in the negative and Im now without a financial institution and the bank claims to have had fraud liability protection. I have submitted proof to the XXXX branch on XXXX XXXX XXXX XXXX Kentucky. The bank never took my account seriously even after I had disclosed in specific my need for the account coming from XXXX XXXX that handles my XXXX funds monthly. I was told no chArges for atm transactions not true, I was charged for my first order of checks that was free, I learned the hard way that my account was in fact not a real checking account but considered a cash account? I had that fixed! I used to stand high about my thoughts of these financial institutions and now am just overwhelmed with anxiety and stress not having much appreciation for myself its that bad. Im suffering terrible hardship Im being harassed and I keep begging to make this all a thing of my past. These companies do not care about us small time consumers we are just trash or thats the way I sure do feel after this plus much more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: I.C. System, Inc.
State: UT

Complaint narrative:
I.C. Systems account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.

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 2019-10-03 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: Consolidated Information Services Solutions, LLC
State: IL

Complaint narrative:
I just received an alert that Cis Inc XXXX, NJ XXXX made a hard inquiry on my credit. This is completely unauthorized by me and I have no knowledge of why they would make an inquiry into my credit. 

I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a collection/charge-off is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

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 2019-10-03 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: UT

Complaint narrative:
XXXX XXXX account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.

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 2019-10-03 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: OR

Complaint narrative:
I am having difficulty getting timely response from my loan servicer, FedLoan Servicing, regarding an error they made in processing Public Service Loan Forgiveness Employment Certification. 

In XX/XX/XXXX I submitted the Employment Certification form in anticipation of qualifying for Public Service Loan Forgiveness in XX/XX/XXXX. I received a response in XXXX where FedLoan Servicing failed to certify payments made from XXXX to XX/XX/XXXX that should count toward the requirements for Public Service Loan Forgiveness. I have spoken to FedLoan servicing monthly since XXXX regarding this issue. They have informed me that these payments werent certified due to an error made by their automated system in their initial review which listed payments from this time period as occurring prior to consolidating my loans with a Direct Consolidation Loan. In fact, I consolidated in XX/XX/XXXX. 

They have informed me that in order to correct the error they will have to review these payments manually and can not give me a timeframe for when this review will be complete. They have stated that it can take several months. They can not provide any additional information about steps that have been taken to correct their error. Despite the error occurring during their review, they have consistently blamed the delay and inability to provide more information on response time from previous loan servicers. 
I have asked directly about mechanisms to formally lodge my dissatisfaction and been told that all they can do is flag my account to show that I am not happy with the time it is taking to correct their error. 

I find their inability to accurately review paperwork and correct their errors in a timely manner and their inability to provide useful information regarding the status of a review including any commitment on their part to meet a deadline unacceptable. 

FedLoan Servicing and the Department of Education have been subjected to quite a lot of negative press regarding their poor performance in providing their clients accurate information and processing paperwork accurately and in a timely fashion. This negative press is well-deserved in my experience. I also find it troubling that they can not provide their clients avenues for providing feedback regarding their experience, nor can I locate anything on their website to provide feedback. It appears that they have no interest in improving their performance in these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been attempting to work with The Home Depot/Citi Bank N.A. since 2018 to remove fraudulent charges in the amount of {$2100.00} that were made in XX/XX/2018 on my Home Depot consumer credit card. 

When I first reported the fraudulent charges in 2018, the charges were immediately removed from my account. Because the fraudulent charges were removed, I did not think it would be necessary for me to take any further action. The charges reappeared on my account sometime later. 

Since then, I have completed and returned their Declaration of Unauthorized Use form along with a police report to Citibank , N.A . On several occasions, I have spoken with the fraud department and various Investigators in attempts to have the fraudulent charges removed from my account. 

To date, The Home Depot/Citi Bank N.A. has not removed the fraudulent charges from my account. I have been making monthly payments on my account to avoid negative credit reporting effects. At this point The Home Depot/Citi Bank N.A. owes me for the payments I have made on the fraudulent charges.

Why did The Home Depot/Citi Bank N.A. not perform their due diligence in the first place in order to protect my account from unauthorized use? I am requesting that the fraudulent charges be removed from my account immediately and that I be reimbursed for the payments I have made on the fraudulent charges.

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 monetary relief
Consumer complaint received 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, transunion report still shows 30-60 days late and has not been updated properly

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On or about XX/XX/XXXX I rented a stove from a retailer in XXXX, NC. I made the down payment in cash at the stove and was told I would have to finance the balance with Acima Credit. I asked the retailer if I didn't want the stove would they come get it and no further charges would be assessed, he replied yes but the balance would be paid in 6 months. After completing the application and the immediate approval from Acima, I was told the completed copy of the agreement would be mailed to me once the stove was delievered to my home.I was required to draft the payment from my XXXX XXXX XXXX checking account. 
I received a notice of how much the approval was for via postal service. I did not receive any further documents from Acima either by mail or electronically by email. 
In XXXX I called to make sure the month of XXXX would be the last withdrawal of the payment from my account. I was told by the customer service agent that there were additional payments that I did not agree to with the retailer who communicated with Acima. 
At that point I told the agent to send the retailer to pick up the stove because I refused to pay that amount for a used stove.I was instructed to look for an email with in 72 hours of the call, take pictures of the stove, submit them and the retailer would be to pick up the stove in a two week period of time. When this did not occur by XXXX I called spoke to XXXX XXXX and was told the agent just did not follow up. Again I was told to follow the same procedure and did, to wait for the retailer to pick up in the two weeks. 
I did not hear from them and decided to wait to hear from them. I received a call from an agent in customer service on XX/XX/XXXX and after chewing him and his company out was told to for the 3rd time to follow the same procedure, which I did. 
Today XXXX XXXX I called Acima to find out why the retailer had not come to get the stove, since it was within the 72 hour time frame and was told Acima charged the account off XX/XX/XXXX and because of the charge off I could not return the stove and the amount of XXXX plus had to be paid. 
This is a deceptive financial practice they have obviously gotten away with many times with unsuspecting consumers. I was very mad and informed the agent of my intent to file a formal complaint with every agency to stop them from further victimizing consumers. 
I will gather all documents and submit them to the apropriate agency upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MO

Complaint narrative:
I have an auto loan through Flagship Credit. I've only had the loan on the used car since XXXX. My payment is due on the XXXX of each month and I make my payments on time. The last 2 months I've had to make the payments on the XXXX of the following month which would make my payments 15 days at the most late. This company calls me every 2 hours daily! I've asked them to please note the account when I would make the payment on the account to stop the calls and the calls stop for two days maybe. I've been polite, I've asked for management and was told there's no manager. I understand there's an auto dialer system, but I also know if the account is noted properly I won't receive these calls. I received a call this morning and the person wasn't speaking English at all and didn't acknowledge me on the phone at all! Your assistance on this matter would be greatly appreciated. 

Thank you 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 2019-10-03 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED AND IS STILL REPORTING ON MY CREDIT AS A DEROGATORY, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE AND ANY INACCURATE ACCOUNTS THAT HAVE TARNISHED MY CREDIT FILE AND NAME. I DISPUTE THIS ACCOUNT AND ITS ENTIRETY AND I KINDLY ASK THAT THIS ACCOUNT BE INVESTIGATED AND DELETED OFF MY CREDIT FILE.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.

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 2019-10-03 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:
YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I asked for help from PHH I applied for a modification I was turned down. 
I asked for a repayment plan. I was given one and told about it 10 days or so before it was due. I tried to male that payment on the website using the western union speed pay and I was blocked from using that. I was not given any instructions on how to pay that payment. Just that there was no grace period. 
They then closed the arrangement. 
I wrote asking for it to be re-opened they claim that they did which I never got an email from them saying that they did. They say they did. 
But if I asked for the arrangement to be reopened because I want to save my home then why would I not pay it? 
I asked for it to be reopened they have not replied. 
I asked for my mortgage to be looked at as Ocwen has many lawsuits and They claim they looked at it and that Ocwen did nothing wrong. But my mortgage was {$43000.00} and now it's over 75,000 Can someone help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one auto finance replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, XXXX report still shows 30-60 days late and has not been updated properly

Company response to consumer: Closed with explanation