vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: AL

Complaint narrative:
After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.

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 2019-01-03 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: NC

Complaint narrative:
Transunion repeatedly displays incorrect employer(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 2019-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: NJ

Complaint narrative:
I had made payment to one of the vendors on XX/XX/2018 and their collection agency told me that they sent a letter to Equifax stating that the account was paid in full, on XX/XX/2018. 

I just got an alert today and upon logging in I noticed that particular account was still showing as unpaid on their system. I contacted Equifax and they said their system is up to date. I told them that I have a copy of letter from collection agency telling them that the amount is paid in full. 

Equifax could not explain this. I asked to speak to a supervisor in their U.S. call center, they transferred me to supposedly their U.S. call center but nobody came on the line for 15 minutes. 

How is it that this is allowed to happen? Why aren't their laws against the complacent attitude that these credit reporting bureaus have towards consumer? One person tells me that they will call me and another person tells that they don't have capability of calling back. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clark County Collection Service
State: NV

Complaint narrative:
Clark County collection agency is garnishing my wages without providing me documents for the debt that is owed. I emailed the collection company asking for proof of debt. I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
disputed a public record on my credit file as fraudulent with transunion. There is a chapter XXXX bankruptcy dismissed on my credit report that I did not file. I contact the bankruptcy courts about procedures and information reported to credit bureau, which I received a letter back stating that they do not report information to the credit bureaus. I have ask for proof of the disputes from the credit bureaus which I haven't received yet, instead im getting letters back stating verified. I have disputed the bankruptcy on XX/XX/2018. I have proof that I am a victim of identity fraud. please help

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 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased a ticket on XXXX XXXX on XX/XX/2018 to fly to XXXX on XX/XX/2018 for {$1600.00} on flight XXXX. 
When I arrived at the airport on XX/XX/2018 to take my flight there were several delays and finally XXXX XXXX sent me an email on Saturday, XX/XX/2018 at XXXX XXXX stating that the flight would now depart on XX/XX/2018 at XXXX  and it gave me three options in regards to this flight : 1 ) hotel and meal voucher 2 ) full refund 3 ) new ticket with another airline and reimburse up to XXXX EUR. I booked a flight with another airline and I requested a full refund from XXXX XXXX. 
I booked a ticket on XXXX XXXX departing XX/XX/2018 at XXXX from XXXX to XXXX with a layover in XXXX flight XXXX. I flew on XXXX XXXX on XX/XX/2018. 
My assistant starting on XX/XX/2018 emailed and called XXXX XXXX several times per week requesting the full refund with no response from XXXX XXXX. 
My assitant, contacted Chase Sapphire on XX/XX/2018 and spoke with XXXX in the dispute department about the charge of {$1600.00}. Chase Sapphire credited my account {$1600.00} on the XXXX statement. Chase Sapphire contacted XXXX XXXX and received documentation from them in a form of a flight itinerary stating that I flew with XXXX XXXX and proceeded to rebill my credit card on my XXXX statement stating that I had I flown with XXXX XXXX. There is no conceivable way that I flew with XXXX XXXX on XX/XX/2018 as I flew with XXXX XXXX on the same day. The documentation that XXXX XXXX provided Chase Sapphire is fraudulent. My assistant contacted the FAA in regards to this fradulent documentation on XX/XX/2018. I have documentation from XXXX XXXX that I flew with them. I also have and email from XXXX XXXX stating that they would be refunding me the ticket on XX/XX/2018 at XXXX XXXX. All of this occurred before XXXX XXXX went out of business. Chase Sapphire said that my documentation did not support my side and has refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: AL

Complaint narrative:
After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2018 I applied for a credit card and was denied because my information did not match my SS number. I was told by Equifax that one number was off. I faxed and mailed my identification ( total of 3 times ). I received a credit report stating I was also known as a woman ( I am a XXXX year old man, XXXX at the time in question ), in a different state with multiple accounts that were not mine. I filed the dispute paperwork online and mailed in a copy. I received multiple emails from Equifax stating the dispute was resolved with instructions to access it online. However, I can not access it online because I get an error stating the information does not match. I have called numerous times, all I want is an updated copy of my credit report because I am afraid it was not corrected properly since I am unable to access it online. I have emailed Equifax numerous times and am told to call customer service. Everytime I call, I am put on hold only to be told their computer system is down. All I want is a copy of my credit report and I seem unable to get it. The other credit reporting agencies had my information correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performance Settlement, LLC
State: NY

Complaint narrative:
Performance Settlement LLC has a worst communication with their client. They have refuse to help and stop taking money from my checking account even though I have paid in full to my XXXX XXXX account debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has to remove ... 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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax has to remove ... XXXX ... XXXX XXXX XXXX ... XXXX  XXXX ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
experian should remove the following accts ... 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 2019-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been contacting equifax and XXXX XXXX every other day trying to have them update an account that was opened fraudulent i sent equifax as per there request a copy of my police report documents showing the account is not mines and yet equifax never update my account each document they receive they start my investigation Over from the date the documents is received XXXX XXXX advised me on XX/XX/XXXX they could not removed the account it had to be removed from equifax. I have gotten nothing but the run around from these two companies i spoke with XXXX on XX/XX/XXXX from equifax she advised me the report would be updated that was just away to get me off the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been paying on my student loan for 10 years and I owe more than the original loan amount. I have had some temporary forbearances due to a parent 's XXXX XXXX  and a lengthy contested divorce, but my remaining balance has remained the same despite many steady years of repayment. The terms of the loan repayment appear to be a deceptive interest only scheme, which is something I would never have agreed to if the terms had been properly explained. If my student loan amount of {$21000.00} were a car loan, it would have been paid off already in less than 10 years. The terms of my loan are suspicious and my student loan has become an chronic, persistent, never ending financial burden. My only option is to now obtain a home equity loan to pay off my student loan as the terms of a home equity loan will be far more cost effective and safer than the unconventional and misleading Navient student loan terms. I should have been better advised 10 years ago as I could have saved thousands of wasted personal income by securing a home equity loan then as a more sound method of repayment. As a single parent, Navient has profiteered and deprived my XXXX children of expenses that could have used for their educational fund. My conclusion is that student loan repayment services like, Navient, are predatory lending agencies designed to generate immense revenues at the expense of the student versus assisting with the cost of education. Students should be duly warned that student loans are basically equivalent to taking a loan from a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX  - EquifaxXXXX XXXX XXXX - XXXX  and EquifaxUnknown account - XXXX on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX   shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX. 

It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint. 

It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal. 

It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing. 

XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Automated Collection Services, inc. is reporting an account on all three of my credit reports that does not belong to me. I sent them a " Validation Letter '' to this company XX/XX/XXXX requesting validation for the amount they claim I owe. I reviewed the letter and completing disagree with their claim. I did not received services from XXXX XXXX Department as they claim and I want this incorrect information removed from my credit reports immediately. 

Just to add, during the time they claim I needed their services I had 'Full-Coverage '' Insurance through XXXX and have had it since XX/XX/XXXX.

Company response to consumer: Closed with explanation