vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 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: GA

Complaint narrative:
I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my XXXX and Experian credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted XXXX and Experian to see if I could request a removal of said inquiries to no avail.

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 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not  only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: IL

Complaint narrative:
I have 3 times explained to transunion and XXXX about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Some one dryed to apply for a capital one credit card with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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 was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TX

Complaint narrative:
inquires are not mine

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 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2017-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX XXXX stating that my debts with Navient Private Education Loan are now settled. When I paid these balances with XXXX XXXX XXXX XXXX XXXX, Navient would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XXXX and for XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC
State: CA

Complaint narrative:
XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: PR

Complaint narrative:
I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount

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 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: IL

Complaint narrative:
I have 3 times explained to transunion and equifax about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting twice XXXX XXXX acc. 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 2017-08-21 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: GA

Complaint narrative:
I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

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 2017-08-21 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: GA

Complaint narrative:
I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

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 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have tried to close this account several times without success. A few months ago I received a bill for a {$59.00} member fee. I called and let them know I dont have an account. On XXXX/XXXX/17 I spent over 30 minutes on the phone and still was unable to close this account. Now with fees and interest they want {$120.00} for a card I have not used and considered dead for a long time. How do I make this stop? I dont even know the account number except for the last four digits that come on the statement, XXXX. I have also filed a complaint with the Michigan Attorney General, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have called the bureau of XXXX XXXX five times asking them to remove a account I did n't own. They agreed, it 's not my account. And after 60 days it still has not been removed from credit my XXXX XXXX profile.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase account XXXX. The principle balance on the account has been {$XXXX} sinceXX/XX/XXXX. I submitted payment since XXXX for the XXXX payment of {$XXXX} over the p/b amount. I have contacted the company several times asking to please apply my payment to payoff the account p/balance. several weeks past, then months, I reached mortgage again, in XXXX, XXXX and now in XXXX. I was finally informed they refuse to process my unapplied funds to the p/b and payoff the account, yet they continue to report on XXXX, XXXX 20/60/90 days delinquencies. I have written in XXXX, and XXXX to executive complaints with no response to please payoff my loan with the unapplied funds, close the account, correct my credit reporting for the pas 4 months bad and negative reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-21 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: MS

Complaint narrative:
In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

Company response to consumer: Closed with explanation