vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have dispute with XXXX and TransUnion multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to XXXX  and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in PACER is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to TransUnions ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XX/XX/21 and I have not gotten a response.

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 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XXXX/XXXX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XXXX/XXXX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I became behind on my XXXX account in XXXX/XXXX  of 2020 - I now know that I what I thought was the XXXX  was really XXXX  spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account. 
XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis. 

After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report. 

I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX  .... notice how that works? These companies have our heads in a vice. 

So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene. 

To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX  ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support. 

Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On my credit report from the three bureaus ( XXXX XXXX XXXX ) a credit card account with American Express is being reported that had a balance of {$3700.00} and was " Closed - Credit Grantor '' on XXXX. They continue to report it as active. I have not had communication with them since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: MD

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I want to know from JP Morgan what happened to the second mortgage from the attached documents, and would also claim the the scam that was perpetrated on consumers during the great recession where JP Morgan paid out 13 Billion Dollars. Of the {$4.00} billion consumer relief package, at least {$1.00} billion went toward loans the bank was forgiving. There was also {$500.00} million that went to change of terms of loans to lower monthly payments etc. I am so perplexed on the lack of transparency of the note attached by this institution. Did JP Morgan package the second mortgage into securities and sell it, and if so " WHY WAS I NOT NOTIFIED OF THE ABILITY FOR THIS NOTES FORGIVENESS OR THEN ABILITY TO REFI TO BETTER TERMS. 
THIS WAS THE second biggest SCAM on the American public since the Great Depression, and NOW THE XXXX XXXX IS IN PLAY IN XXXX. 
DO NOT ASK ME FOR A TITLE SEARCH, LIKE YOUR LAST RESPONSE FROM A CFPB COMPLAINT. MY request is your problem to tell me everything about this paper shuffle that you performed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Self Financial Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, SELF agreed on removing the inaccurate information on the 3 credit report companies such XXXX XXXX and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, XXXX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I took student loans in XXXX, XXXX, and XXXX to pay for my XXXX education at XXXX XXXX XXXX NY. All these loans were taken based on a " deferred '' payment arrangement starting in XX/XX/XXXX and onward. For my career enhancement, in XX/XX/XXXX, I left XXXX XXXX and registered in a foreign MD medical school that is not approved by my lender. Due to this, my lender has stopped giving me additional funds and also forced me to start the monthly instalments immediately instead of following the agreed " deferred '' plan. They are not appreciating that I am not asking for more funds and my outstanding loan relates to an eligible school XXXX XXXX XXXX XXXX and I have not drooped out of college and in fact pursuing a much higher professional education on a full time basis. My loan also had my aunty as a co-signer. Now my Dad is paying my monthly instalments but the lender has refused to replace my aunty with my Dad as co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: MD

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WY

Complaint narrative:
I have filed a complaint against XXXX to which they replied in a complete wrong. I have provided them with taxes, hardship letter, divorce, quick claim deed AND a new application. Just yesterday they sent me a letter asking for this information. They did not include a request for the quick claim deed ( Which I sent XX/XX/XXXX. ) They are asking for information over and over from my ex-husband who should have been taken off the loan/mortgage. IF they are behind in paperwork they can own that. BUT looking at dates and timelines. I sent them a divorce decree XXXX XXXX, XXXX. This process began in XXXX in my name. XXXX XXXX. 
I would aslo like to add a PS that this company did charge over {$5000.00} in past legal fees as well as attempted to foreclose on this house in XXXX. Although they claim to want to help people it is my experience that they bully and torment clients to the point of exhaustion and come in for the kill. 

At this point again XXXX they are ashing me for yet again a new stat on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, Transunion failed to provide the report by mail. 

I have attached proof of letter sent to Transunion requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification

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 2021-05-10 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: MD

Complaint narrative:
On XX/XX/XXXX, XXXX agreed on removing the inaccurate information on the 3 credit report companies such XXXX, Equifax, and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, EQUIFAX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I was charged the late fee and the interest in XXXX by Bank of America, I called them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good credit record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

Thank you

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 monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I have not received verification in the 30 day period. I sent in my dispute on XX/XX/XXXX XXXX. Today is XX/XX/2021. I still haven't received verification of the items on my credit report. Under the FCRA 611. It states that all items I disputed must be removed if I haven't received a response in 30 days.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request complete removal of the disputed items.

My credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I will seek legal counsel if I dont get these items to remove from my credit score. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I originally took out the loans it was advertised that I could release my co-signer after 12 on-time monthly payments. My first attempt was unsuccessful as new barriers to removal, unbeknownst to me, were put in place and I was denied. So several more years of on-time monthly payments go by and again I try to remove my co-signer. Again I was denied, this time for not having high enough creditworthiness. A couple more years pass and I work my credit score up to the mid-700s and applied again. Surprise surprise now I don't have a long enough credit history according to Navient. The reasons given were a ) a previous loan default ( which I am completely unaware of somehow ) b ) delinquent payments ( for federal student loans which are now many years removed from present day ) and c ) amount on accounts is too high ( I can't imagine the {$14000.00} I still owe them and am paying for is very much compared to many ). 

I've tried everything to meet the arbitrary standards to release my co-signer from my loan. I've made on-time payments every month for years and years and it's still not good enough. Navient seems to keep finding arbitrary reasons to deny my requests. None of these arbitrary barriers were advertised when taking out the loan so I feel doubly deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: MS

Complaint narrative:
I stated that its not my account & I am not liable to pay a debt that isnt attached to my name/person. Ive never done business with this company we have no affiliation with one another whatsoever & this is a direct violation of HIPPA its illegal & should be removed from my reports & myself permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint : Credit Denial reason Under legal age to a XXXX man with credit score of XXXX. 

This complaint is for getting denied credit to purchase golf clubs on a 18 month no interest loan from Synchrony Bank, located at XXXX. XXXX XXXX in XXXX Florida XXXX through XXXX XXXX in XXXX Illinois. Denial letter dated XX/XX/XXXX. 

On Friday XX/XX/XXXX, I had a club fitting with XXXX XXXX from XXXX XXXX at XXXX XXXX in XXXX Illinois located at XXXX XXXX XXXX in XXXX, Illinois XXXX. I determined I wanted to purchase some golf clubs and they offered an 18 month no interest loan so I completed their form which requested my social security number, income and other personal information. I was denied, no questions, no answers, just denied, so I ended up putting the entire amount on my credit card which I did not what to do. I am a XXXX man with stella credit, little to no debt with a credit score of XXXX and I was denied credit. The XXXX XXXX representative explained I was denied and he knew no reason why but that I would receive a follow-up letter in the 10 days explaining the reason. 

Today Monday XX/XX/XXXX I received that letter, and much to my surprise the reason for denial was and I quote from the letter Under legal age since when is a XXXX man under the legal age. 

Obviously, your company : Consumer Financial Protection Bureau at XXXX XXXX XXXX XXXX, in Washington DC XXXX, could never have run my Social Security number because if you did you would know that I am well above the legal and that I do have excellent credit. Your company caused me to put nearly XXXX on my credit card that I really did not want to do. I should have walked out of XXXX XXXX when I was denied. 
I would like to know how this happened, why it happened and what you are going to do to clear my good name with XXXX XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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