vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2019. Trans Union dropped my credit score by 23pts because I paid off the entire remaining balance of {$870.00} on my loan with XXXX XXXX ( XXXX ) XXXX. Instead of my credit score going up for paying off the loan they dropped it 23pts because the account was now closed. I have been taking pain staking efforts to stay out of debt and paying off debts and Im getting punished for not owning enough money to enough debtors. This is backwards and wrong. 

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 2019-06-23 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: AZ

Complaint narrative:
On XX/XX/XXXX, Equifax send me an incorrect report that they REFUSE to correct. Confirmation # XXXX. 
1. I DO NOT want my social security and/or my date of birth to appear on my report ever!!! 
2. Remove all old addresses except my current : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 
3. Update my payments for XXXX XXXX XX/XX/XXXX and XXXX XXXX on report and with all credit bureaus. 
4. REMOVE XXXX XXXX It says credit bureau dispute. I never authorized this dispute on XX/XX/2019. REMOVE AT ONCE!! Lacing my credit report with false entries is illegal-Federal law FCRA. 
5. Remove all old inquiries. 
6. Cease trashing my credit report. 
7. Remove my Equifax inquiries. Equifax causes these inquiries for their incompetence. This is illegal too. Cease!! 
8. Send me an updated credit report today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i had a hard inquiry from applying for credit and i got denied i didnt allow them to pull my credit. I would like to remove the hard inquiry on my report with Capital One Bank Usa.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, Transunion report # XXXX, is laced with false entries. 
1. XXXX Card was closed BY ME, the consumer on XXXX.TU put grantor-that is FALSE! CHARGE off happened XX/XX/XXXX. REMOVE THIS ACCOUNT for all the false entires=FRAUD!! .Double entries on XX/XX/XXXX and XX/XX/XXXX for 120 days. From XX/XX/XXXX to XX/XX/XXXX is to be a CHARGE OFF-Closed by consumer!! Correct balance to XXXX!! 
Date closed XX/XX/XXXX by me!! .No maximum delinquency of 120 days-REMOVE false statement. 
2. XXXX XXXX and XXXX XXXX are to show updated information. Today is XX/XX/XXXX. 
3. On regular inquiries -Remove all OLD inquiries. XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. Incorrect information. Not correct date. Remove it. 
4. Remove and block all Promotional inquiries. I never authorize these transactions. 
It says Transunion XXXX XXXX with several dates. Transunion is retaliating everytime I file a dispute and lace my credit report with false entries. REMOVE IT!! Consumer Fraud. 
5. Account Review Inquiries. Remove the following : Transunion XXXX XXXX on XX/XX/XXXX is recorded twice. Look above it- says the same. Remove it. 
6. XXXX, I NEVER authorized them to run my credit report ever!! Remove it at once.

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 2019-06-23 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: TX

Complaint narrative:
on XXXX the XXXX I XXXX XXXX sent all the proper paperwork that credit bureau ask for and they still haven't remove all the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: TX

Complaint narrative:
I XXXX XXXX sent all the proper paperwork on XX/XX/XXXX to the credit bureau to have the fraud accounts remove from my credit profile.

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 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I traveled to XXXX on XX/XX/XXXX-XX/XX/XXXX, while i was there I was mainly using Chase Visa Card for all my purchases from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also used XXXX XXXX visa card on XX/XX/XXXX. I paid all my purchases in Euro because I know when it converted to US , i will get a good rate and also I dont get charge for 3 % transaction fee. Unbeknownst to me, Chase used XXXX-XXXX exchange rate, while XXXX XXXX used XXXX-XXXX. As a valued customer, i felt being taking advantage by Chase. I have been Chase client for a long time, i also have deposit product with Chase. This is not how you treat your value customer. I tried to talk to Chase and they said it wasnt them that made the decision about exchange rate, it was XXXX XXXX and I contacted XXXX XXXX they said it wasnt their decision either. I know that XXXX XXXX issued the base rate to all banks and its up to Banks to increase that rate, I understand they are in a business to make money BUT they are too greedy. The fact that XXXX XXXX charged that rate, Im sure that XXXX XXXX still made a good profits. Im writing this letter to ask for financial justice, I do not want to consult with lawyers unless i have to. I only want whats mine. I want Chase to basically refund me the overcharged for all my purchases during that period of time using XXXX XXXX exchange rate. I will also attached my credit card statements from Chase and XXXX XXXX for your review. Thank you and looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 have account that I have disputed already from 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 non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: CT

Complaint narrative:
I consolidated my qualifying student loans through the federal government in XXXX. I then enrolled in the Public Service Loan Forgiveness ( PSLF ) program in late spring/early summer of XXXX. 

In XXXX the loan servicer was changed to another company briefly. I then enrolled in the federal " payment tracker '' in XXXX for PSLF. At that time the servicer was then changed back to fedloans. This resulted in some payments not counting towards my total payment count. 

I have been working fulltime for a 501 ( c ) 3 status employer since XXXX. I submitted the requested " Employment Certification Form '' each year that I worked. 

The " payment tracker '' on the fedloans website payment " counts '' were off consistently for years and years. I would inquire on the phone about this and was told they would be updated. 

As I near the 120 payment mark where we can request " Loan Forgiveness '', I formally requested a review of my account in XXXX of XXXX so that the payments tracker would be correct. I was told at that time that a review would take 90 days. I called after a few months and was told it would take 6 months. I next called after 9 months and was told it would take a year. It has now been 1.5 years and my payments have not been counted and the tracker now says that I have made 6 qualifying payments. 

I should have 96 qualifying payments. The tracker should not continue to say 6 payments. It should show an accurate representation of my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Experian continues to lace my credit report with false entries and information-violations of FCRA. 
1. XXXX XXXX was closed by me on XX/XX/XXXX. Remove balance as it is XXXX. It was closed by me and charged of XX/XX/XXXX by XXXX XXXX. Remove comment by Experian. Remove balance. There IS NO BALANCE!!! Remove the 120 days. I closed this on XX/XX/XXXX. Knock it off!! Consumer fraud by Experian and XXXX XXXX. 
2. XXXX XXXX and XXXX XXXX are missing payments. Today is XX/XX/XXXX. Report up to date account history for both. 
3. Inquiries shared with others. XXXX Card to record until XX/XX/XXXX. Delete it. XXXX XXXX is listed twice-double-delete both. 
4. Inquiries shared with only me. Delete all old inquiries-2 years old or older. 
5. Delete Notices on back page. Credit and Debt Counseling Services have nothing to do with me. This is MY PERSONAL ADDRESS!!!!!!! Delete all of it!!!.

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 2019-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Through Chase online, today I tried to enter an external account that I have at XXXX XXXX XXXX XXXX so that I could transfer money back and forth between it and my JP Morgan account. 

Chase online, which is the only online banking service JPM has provided me, would not allow me to do so. In addition, when another person on the same JPM account tried to schedule a transfer to XXXX XXXX, contradictory information was provided in at least 3 different locations in Chase online about the date the money would actually leave the JPM account, making it impossible to schedule the transfer, due to unreliable and incoherent information provided about the transfer, when it would leave the JPM account and/or arrive at the XXXX XXXX  account. 

Both persons on the JPM account attempted to make a transfer or set up a transfer to the same XXXX XXXX account. The transfer is needed in order to pay a monthly mortgage, yet JPM prevents users from being able to use this function, despite widely advertising its availability. JPM blocks the timely receipt of electronic funds transfers by other institutions for mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: TX

Complaint narrative:
I XXXX XXXX sent all the documents that the credit bureau ask for on XX/XX/XXXX to have all the fraud accounts remove.

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 2019-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation
State: PR

Complaint narrative:
After being in a foreclosure process, the mortgage company ( XXXX ) sold the property to Franklin Credit Management. I went through a Loss Mitigation process. They accept my application and I was paying in advance the monthly payment. We ( Franklin Credit and I, XXXX XXXX ) sign up a new mortgage arrengement. It was {$410.00} monthly. Payment that I was doing one month in advance. All of a sudden I realize that they were than applying the payment because they made an escrow analysis and the payment was more.It seems that they do it unpurpously because they have allways want to reposes the house. I believe that is the increase on the payment they should notify me in a letter explaining the reason. Those payments has had to be reported as partial payments and they don't, so my record will show that I haven't made a payment at all what is not true. They are charging me late charges, insurance payments and " other charges '' not specify and by the way my account will soon summited to a Foreclosure Procedure. I can feel a bad intention in all of these.Beside the amount of money that the insurance assign me due to Huracane Maria damage is lost. FEMA is carrying an investigation in these case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2019, XXXX XXXX promised me a corrected updated credit report and they never mail it to me. I do not have my XXXX report that shows XXXX 's XXXX. damage is off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery calls morning noon night weekends holidays uses numerous unknown numbers I have received hundreds of calls from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
My mortgage company, XXXX XXXX XXXX, purchased PHH MORTGAGE. They transferred my mortgage to PHH MORTGAGE which is now a subsidiary of XXXX. PHH MORTGAGE is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped  significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want PHH MORTGAGE to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to PHH MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 have account that I have disputed already from 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 2019-06-23 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: OH

Complaint narrative:
I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 have account that I have disputed already from XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: TN

Complaint narrative:
I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. EQUIFAX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.

Company response to consumer: Closed with explanation