vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 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: IL

Complaint narrative:
TransUnion has been reporting a tax lien on my credit report for most of this year. This is an error from XXXX XXXX due to their slow process to resolve issues. I have sent TransUnion requests to validate and verify with XXXX XXXX XXXX XXXX XXXX and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 &  623 of the FCRA. TransUnion 's response was a claim that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the XXXX XXXX XXXX XXXX XXXX requesting to see this information that TransUnion claims to have verified. XXXX XXXX XXXX XXXX XXXX sent a letter stating that operators may confirm a specific tax lien has been recorded but operators " CAN NOT VALIDATE OR VERIFY RECORDED TAX LIENS ... .Recorder has NO ABILITY OR AUTHORITY to validate or verify recorded tax liens. '' I sent that letter to TransUnion explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 )  the information they are reporting must be deleted. I called TransUnion on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a lady named XXXX at XXXX XXXX on XXXX/XXXX/XXXX. XXXX was informative. She claims that TransUnion verified the information although company policy could not let them share the alleged verification due to company policies. I told her to reference the letter I sent from XXXX XXXX RXXXX XXXX XXXX and she stated that the letter was only referencing calls made to the XXXX and she completely ignored the statement in the letter clearly saying that the " Recorder has NO ability or authority to validate or verify recorded tax liens. I asked to speak to a supervisor and a very similar conversation took place. I asked to receive the proof that the information was actually verified, [ which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ) ], and my call was disconnected. I have notarized documents that XXXX XXXX XXXXt has in their possession, which shows they have reported inaccurate information. So I am very confused how TransUnion can certify and still report any of this inaccurate and improperly verified information. 

I have been attempting to resolve this matter with Transunion through mail, phone calls and various documentation and have NOT had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!

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 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.

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 2017-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: MO

Complaint narrative:
I have several inquiries on my credit report with Equifax that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from them stating ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. Equifax : 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. I did not authorize these inquiries with any of the above listed companies on or around these dates. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

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 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in 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 2017-12-20 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was a chase business credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted chase. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though chase owed me money and they were refusing to pay me so I refused to pay them. 
Chase started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with chase but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted chase to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XX/XX/XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: PA

Complaint narrative:
Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

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 2017-12-20 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: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: WV

Complaint narrative:
JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on 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 2017-12-20 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: GA

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 2017-12-20 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:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 2017-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I have already had to file 2 complaints with CFPB. In XX/XX/XXXX/XX/XX/XXXX timeframe, I re-filed a complaint because a resolution to my request has been avoided. A {$20000.00} payment paid by cashiers check was provided to Wells Fargo 's previous bank, XXXX XXXX during its transition to XXXX to pay down a substantial portion of a HELOC loan, # XXXX. Wells Fargo claims they can not find the deposit in the archives, ( although I have provided clear evidence of the unapplied sum ), which should reduce the balance of the HELOC debt, and they refuse to take any action or enact any resolution to correct the error. I have received correspondence stating that Wells Fargo can not validate their position because they do not have the records, tax records, deposit or any other records from XXXX XXXX/ XXXX . That is not an acceptable response. All documentation should be in the archives & in their vault. I provided a copy of the deposit receipt applied to the HELOC account, & copy of the cashiers check. In Wells Fargo 's response, denial & resolution letter, they asked me for a cancelled check. Cashiers checks are paid upfront & the customer is provided a receipt & transaction #, customer is not provided a cancelled check. Either Wells Fargo is operating without due diligence or they are pretending to be unintelligent to avoid a resolution, because my evidence was provided. They are refusing to credit me the {$20000.00} & recalculate all payments from that date forward, negotiate a settlement, take current payments from me on this account, in fact they are refusing to workout a payment option & are attempting to sell my house on XX/XX/XXXX over approximately {$7000.00}. + legal fees. They owe me {$20000.00} + an adjusted balance. 
The fact that Wells Fargo can not produce their information or documentation, is not a valid reason to deny my evidence. They will avoid a resolution until I have to take legal action. I can not believe Well Fargo is once again getting away with illegal practices, one that is even much more damaging than opening extra unauthorized bank  accounts. Your help will be greatly appreciated.

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 2017-12-20 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: KY

Complaint narrative:
Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?

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 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.

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 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: RI

Complaint narrative:
My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.

Company response to consumer: Closed with explanation