vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

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 2019-01-12 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: LA

Complaint narrative:
There is currently a collection account on my report. Please remove : 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 2019-01-12 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: LA

Complaint narrative:
There is currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: LA

Complaint narrative:
There is currently a collection account on my report. Please remove : 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 2019-01-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I

have lots of inquirys that didn't have permission or no need to view my credit report XXXX XXXX XXXX had my permission to review twice on XX/XX/XXXX and XX/XX/XXXX I signed my car note XX/XX/XXXX with XXXX XXXX, All inquiry 's after XX/XX/XXXX DID not and DOES NOT have my written permission XXXX XXXX XXXX XXXX did not have permission to pull credit on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unless They can show they had my permission remove these inquiry 's listed, XXXX XXXX had my permission granted to pull my credit on XX/XX/XXXX XX/XX/XXXX on both dates I signed my contract for car with XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX there was no need to countinue pull my credit report, XXXX XXXX did not have permission on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX did not have permission on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these companies need to either provide where I gave written permission with a signed and dated document or remove from my credit report, EXPERIAN is to insure that my report is being hand out with my permission and maintain copies of such in my file 15 U.S. Code 1681b - Permissible purposes of consumer reports The term permissible purpose is defined by the Fair Credit Reporting Act ( FCRA ) as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. I do understand the language, so please investigate all inquires and remove all non-account inquiry 's

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 2019-01-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter that synchrony bank reduced my credit limits because I charged more than my limits its incorrect

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 2019-01-12 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: PA

Complaint narrative:
I contacted a representative from Trans-union and notified them of credit inquiries that were run on my credit report without my knowledge do to an error with trans-union. The representative was unhelpful in assisting me in removing these unauthorized inquires.

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 2019-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to Equifax, XXXX, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 XXXX -XXXX XXXX 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 2019-01-12 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:
On XX/XX/2018 I purchased airline tickets through Chase travel for {$1700.00} total. {$240.00} in credit card rewards were used and balance of {$1500.00} put on my Chase credit card. In XXXX my father in law had taken a turn for the worse and we decided we couldnt take our trip. I had submitted a refund through XXXX XXXX after reviewing their policy and steps. I obtained a letter from the XXXX  physician that was needed and submitted all needed information. On XX/XX/2018 I received an email from XXXX XXXX saying they understood and they wished us well and processed the refund. It wasnt until sometime later I realized that the rewards part of the credit card was a third party and that is who I needed to get my credit from. I had noticed in the email from XXXX XXXX the credit card that was credited ended in XXXX, not my credit card. Chase the credit card department had informed me that the third party travel rewards department would not refund me due to their policy of the purchase needed cancelled within 24 hours and  they did not care about my father in law at that time XXXX. I have attached a complaint form I filed with the credit card  company along with all other supporting documentation. The third party travel rewards department for my credit card company has now received money from me ( Chase credit card ) and also from the airlines so they have made money off this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 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: CA

Complaint narrative:
I received a letter that XXXX XXXX reduced my credit limits because I charged more than my limits its incorrect

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 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: KY

Complaint narrative:
O/n XX/XX/2618 I contacted Fay Servicing by email to follow up on the payment deferment request my wife made on by phone a few days before. I did not receive a reply from them until XX/XX/18 after I filed a complaint with CFPB on XX/XX/18. 

On XX/XX/18 my wife and I submitted the application for deferment with all required documents explaining our financial hardship situation. After two months, we received a letter dated XX/XX/18 from Fay Servicing stating : " ... unfortunately you are not eligible for an alternative to foreclosure. Our review indicates that, although you may have a hardship, you do not qualify for any available loss mitigation options ''. However, Fay Servicing did not explain in the letter why we are not eligible for payment deferment, even though we may have a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, TransUnion, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 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 2019-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, XXXX, and Experian and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 . -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 2019-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I closed a checking account at Chase in Early XX/XX/2018. I received a notice in the mail which said my account had been debited for XXXX . I have yet to receive the funds and have had numerous email discussions with them online. They recommended I go to my local branch in this case Florida. I spoke to the representative was very helpful but after a period of two days and frequent phone calls by him and myself they still can not find out what happened to the Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Two collection accounts for the same originator ( XXXX  ) who stopped reporting an account that was not mine. Now XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting this account in violation of FCRA regulations. This is an attempt to collect on a debt not mine and to cause malicious damage to my credit reports ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 I attempted to buy basketball tickets by transferring money through XXXX. The tickets were never provided, and I attempted to contact both Chase Bank and XXXX   to resolve the fraud. Chase noted that there are no consumer protections offered whenever using their service through XXXX on transactions like this. Considering this is a bank to bank transfer, there should be a pathway to freeze transactions, or at least obtain personal information linked to the receiving bank account so that this matter could be reported to the police or to allow for civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: AL

Complaint narrative:
Hello, I am here because I have paid off at least 20 accounts from XXXX to XXXX. A lot of these are still on my Equifax report. Even after, I sent over all documents showing that all accounts was paid in full. Some are still showing unpaid on my report they ask to send documents showing that they are paid, sent them the information they asked for and Equifax still have not removed them off my report. Talk to one rep for them gave her my information and she tells me that she don't have enough information to look at my account. 

It's bad when you have all the documents that is needed and Equifax still want removed the account. And I know they can remove the account cause I see some are not on my credit report now. So to say that they can't remove that account is a bold face lie. And it been away over 30 days and like a said the accounts are still on my report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. 

Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. 

Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. 

I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. 

This is completely unacceptable! 
When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. 

I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. 

Please investigate them and DO SOMETHING!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone

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