vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: FL

Complaint narrative:
I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my Experian and XXXX  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 non-monetary relief
Consumer complaint received 2019-11-27 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: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report and showing balances. I have disputed the information several times with Equifax due to both of these items were included in my bankruptcy. Equifax has yet to update and validating the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Jcpenneys approved me for a Jcpenneys Gold Card. My limit was {$500.00}. I paid {$100.00} on my old Jcpenneys card which was the basic red card. The payment was not recorded by the people that was to process my credit card payment. So I was accessed a late fee. I called Jcpenneys after I could not use my Gold Card. and I was told the payment was not recorded. so they decreased my credit limit to under 320.00. all of this happened in less than 20 days.

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 2019-11-27 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma claims they can not " see '' my driver 's license. I have sent my driver 's license to them multiple times, for years. Still, they can not " see '' it. They claim the personal identity documents that I submit to them are unreadable, and therefore, they can not begin the process of verifying my identity. Credit Karma claims they can not verify my identity. No matter how many museum-quality documents I submit, Credit Karma claims that these personal identity documents are unreadable, so that they can not verify my identity with my driver 's license, passport landing page, social security card, monthly bank statements, voter registration, monthly mobile phone statements, car registration card, car insurance card, and more. I am born-in-the-USA, fluent in XXXX, and have a XXXX degree. With my overflowing XXXX skills and XXXX  skills, Credit Karma is still unable to process my request for a free credit report, claiming they can not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 in the evening at approximately XXXX ( after the branch had already closed ), I drove up in my XXXX XXXX ( LIC Plate XXXX ) to the Drive-through ATM at Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used my phone to access my account ( XXXX XXXX not my debit card ), entered my pin, and requested to withdraw {$800.00}. The ATM had a weird malfunction, no money was dispersed, and took me back to the first screen as if to start the transaction again from the beginning. No receipt or money was dispersed. My phone alerted me that {$800.00} had been withdrawn from my account. Without even moving from my spot, I immediately called Chase customer service to alert them of this problem. I stayed there for about 20 minutes and the woman I spoke with told me to leave because there was nothing more I can do, and let the cars behind me go. She informed me that a temporary credit will be added to my account until this is investigated. I left, and two days later after calling Chase again, the money was credited to my account again. On XX/XX/XXXX, I noticed that they reversed the credit that was given me. I immediately called Chase again, where I was all but accused of stealing. They told me they " investigated '' and there was no problem with the machine and it is now my problem. I asked to speak with the supervisor and for them to simply look at the ATM Camera footage, and again they were of no help and told me to call the police to subpoena the ATM camera footage. I went to the Branch and spoke with the Branch manager ( XXXX ) and she told me they will try to look into it but there's nothing that they can do. She mentioned that she noticed that my account said I also withdrew {$1000.00} that same day, which would be impossible because the limit is {$1000.00} a day. In actuality, I withdrew {$1000.00} the next day but there is an error on my account stating I also withdrew it on the XXXX. 

I went to police services and they told me to go back to the bank and a police officer will meet me there to take my statement and file a report. When the officer arrived, he stated that since this isnt a crime, he cant do anything and that this is a matter between me and Chase. He came into the branch with me and explained this to the branch manager. She then proceeded to file a report asking the claims department to take another look at our claim and to check the footage. For some reason, no one had looked at the camera footage this entire time, which would immediately exonerate me and show that I did not take any money out of the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( 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 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
I filed a prior complaint with you and for some reason you out the complaint in my husbands name. We are both on the loan. Bayview advises they made a mistake and said they sent notice to the credit bureaus and it would be corrected. However Bayview is still calling me. I have written down and logged 12 calls advising me that we are late on our payments and owe {$190.00} from XXXX XXXX. However when I call they tell me my payments are current. Clearly they have not credited my account the payments they have received. What is happening with the interest on this account? Why cant they just update their system of the Loan modification they approved. I can not get a car loan because their mistake damaged my credit until it is updated. As stated earlier I want them to update their records and stop calling and telling me Im late when Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MA

Complaint narrative:
I am a payee for my sister-in-law, her social security XXXX benefits go on a Direct Express card each month. In XXXX 2019 {$180.00} in fraudulent charges were put on her card. I immediately called Direct Express. I spoke with the fraud department and they sent out paperwork for me to fill out, I did that and I faxed the paperwork to Direct Express and I received a confirmation that they received it. 9 business days later I call Direct Express to follow through because we still have not gotten credit, they claim they never received the paperwork from me. I've been faxing the company every single day for over 10 days now getting a confirmation each day and we still have not gotten credit. when I do try to call them I either get disconnected or two to three-hour process. All we want is her money. the charges came from XXXX, none of us has a XXXX, none of us have a XXXX account. This money is the only money she has coming in. Thank you. I submitted the original card number that the funds were taken from, we now have a new card with a new account. Thank you again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida

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 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I submitted a dispute on XX/XX/2019 notarized and certified mail to National Credit Adjuster no response also to all three credit bureaus they respond with. Verify document not the original documents sign and dated. Also I filed a complaint with the FTC on this account being fraudulent not my account I was also in the XXXX  data breach were my information was stolen. Also this company reporting inaccurate information on my report and thats against the law. Address inaccurate, name inaccurate, date open inaccurate balance reporting inaccurate please remove and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On or about XX/XX/ 2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to XXXX. 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}.

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.

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 2019-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( 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 2019-11-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES
State: TX

Complaint narrative:
This company have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations.XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX, et al. The companies listed have been sued by the Bureau of Consumer Financial Protection, The State of Minnesota, The State of North Carolina, and The People of the State of California ( collectively, Plaintiffs ) for deceptive and unlawful practices related to their student loan debt relief operation. The Plaintiffs lawsuit was filed on XX/XX/2019, naming as Defendants all of the companies listed, along with their principals. The Court entered a Temporary Restraining Order ( TRO ) the same day, which prohibits any further unlawful conduct and appoints a Temporary Receiver to take possession and control of the business. The Temporary Receiver suspended operations and conducted a review of the business. A copy of the Receivers Preliminary Report can be found in the Documents section of this webpage. On XX/XX/2019, the Court entered the parties Stipulated Preliminary Injunction which extends the restrictions in the TRO until there is a trial of the case. The Receiver has concluded the Defendants business operations can not be operated lawfully and profitably. As such, the operations have been terminated. I applied for this student loan consolidation program as this company posed to be supported by the Department of Education. I have made 3 months payments to this unlawful company, totaling in a loss of {$750.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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:
The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX BANK XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2019-11-27 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:
The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2019-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I lost my mom. I'm one of the oldest of my siblings. I had to incurred with a lot of the cost to give her a proper burial. Between XXXX and XXXX I encounter a lot of life changing situation that set me back on my payments. Since that traumatic event I was able to get my life in order. I have made all of my payments on time since then.

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