vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: NV

Complaint narrative:
the update button on transunion has not worked for three weeks and i had a hard time convinsing the rep that the trouble was with transunion?

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 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the company is XXXX  and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

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 2019-08-08 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: PA

Complaint narrative:
the company is XXXX and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It's been 20 days ( as of XX/XX/XXXX ) since Capital One learned of their massive data breach of credit card customers. I have used their credit services since XXXX, and to date have received NO communication from Capital One regarding the hack or what information of mine was compromised. They only have general information and FAQs on their website. I just called customer service and they could not tell me what information of mine was compromised, including potentially my SSN and outside bank account number. Their lack of transparency regarding my own information after nearly 3 weeks is very concerning and I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a claim with Chase/XXXX in XXXX when a fraudster somehow got my Savings account information and used it to deposit money into his XXXX account. It was multiple transactions which totaled almost {$15000.00}. I got about {$1500.00} of it back. When I filed the claim, I was told by XXXX that it was their fault, therefore it should have been easy for my bank to get back. I was given a pullback number which I gave to Chase. XXXX is currently saying there is {$12000.00} available for Chase to get back. Chase is saying they don't know how to do that and that it's XXXX 's job to send the money back. XXXX is saying the bank has to file an ACH return for that. Even today I was on the phone with XXXX and they're saying they've never received anything from Chase. I've gone back and forth with them and they just keep blaming each other. I've gotten no help and I don't know what to do anymore. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 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: MO

Complaint narrative:
I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my XXXX XXXX app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called XXXX XXXX and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I have contacted ChexSystems after being denied a free checking account with XXXX XXXX XXXX. I was told by the employees at ChexSystems they did not have the reason as to why. Upon their request I inquired with them for my report. Nothing show derogatory on the report and there is not explanation as to why XXXX XXXX would make this decision. I then emailed ChexSystems again asking for a more detailed explanation. I made the request over 2 weeks ago. I apologize I do not have the exact date of my second request. The original request was received the end of XXXX. My Consumer ID is XXXX. 

All I'm asking is for an explanation as to why I would be denied a free checking account. I currently bank with XXXX and am in very good standing. 

Thank you for your time with this matter, 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 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been working with Loancare regarding foreclosure alternatives and have submitted documents to be reviewed for assistance. After a few months, I was informed on XX/XX/2019 that I was approved for a trial modification from a representative named XXXX. I was told by XXXX the approval was being generated and would be mailed to me. I then called on XX/XX/2019 to see where the approval was as I had not received it only to be told the approval was never generated because they needed a proof of occupancy. The representative admitted that although she see notes indicating a proof of occupancy is needed, only one call was placed to me and nothing thereafter. I never received a call/voice message or document informing me I needed to provide that information as I have no issues providing what is needed.I was told this error would be sent to her supervisor to get the file re-opened so I can continue with the approval. I immediately emailed the proof of occupancy on XX/XX/XXXX and when I called back on XX/XX/2019 to follow up I was told the email was never received when in fact I had proof. I then emailed it directly to the representative I was speaking with XXXX whom advised she would be submitting a request to her supervisor to ensure this information gets to the underwriter so they can review the errors that occurred. I called back again on XX/XX/2019 to be told the " appeal '' is still being reviewed and can take up 30 days to make a decision. I am now worried they will not provide with the approval based upon the events that have taken place. I am ready to make my trial payment but they will not let me. I just want to move forward from all 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 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2019 - company says I am dead - says social security must write letter saying I am alive. 

XX/XX/2919 - Social Security says I am alive. 

Now company has closed my account and say I have to apply for a new account. 

Balance - credit balance over {$500.00} I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 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:
these two accounts ( documents attached ), are not mine, i have been disputing these two inaccurate accounts for the longest time, i have called equifax so many times that i have lost count, this is inaccurate and haunting experience, this can not go on like this, please have this inaccuracies removed from my equifax credit reports. 
they are literately saying they can not help me in this matter, please, i beg of you this is not a good experience that someone would be taking for the longest time. 
please find attached the documents and as consumer please i need you help to have these inaccuracies removed thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I placed a freeze on my credit a few months ago with Equifax. I was given a pin number to use. To be able to lock and unlock it. On yesterday I tried to unlock it. Instead of being asked for the pin number by the automated system. I was routed a representative. The rep told me that he was unable to unlock my credit because i didn't answer all of the questions correctly ( I didn't know the amount of some credit accounts ). The rep never asked for the pin number. I was then asked to mail in some information to identify myself. This makes no sense as I have been given the pin number to access my account I shouldn't even have to speak to a rep. Now I can't apply for credit in the time frame that I desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My wife and I were diagnosed with XXXX XXXX XXXX. 
Early XXXX my wife was diagnosed with XXXX XXXX XXXX XXXX. Later in XXXX I was diagnosed with XXXX XXXX, XXXX Score XXXX 'Aggressive ' XXXX XXXX. My wife began XXXX XX/XX/XXXX. I had a XXXX XXXX XX/XX/XXXX. During my recovery I suffered XXXX XXXX XXXX. Before being released from hospital for that diagnosis I suffered a massive XXXX. Needless to say, our income for XXXX and XXXX were lower than normal. My wife ended XXXX XX/XX/XXXX. I was released from physical therapy XX/XX/XXXX. 

In XX/XX/XXXX, I made a request to obtain a conventional mortgage from BMO/Harris but was advised by BMO/Harris to renew my HELOC. I attempted to do so, however, our income was deemed too low as we are both XXXX-XXXX. We defaulted XX/XX/XXXX and continued to make regularly scheduled payments. We applied for Equity Line Reset Program XX/XX/XXXX. We were denied XX/XX/XXXX. Our account was turned over to BMO Loss Mitigation XX/XX/XXXX. 
We have never missed any payments. We have no auto loans or recurring credit card debt. 
We were placed in Forbearance while I attempted to secure a mortgage from other lenders. I was told by BMO/Harris that I would need approximately {$800.00} per month more in income to be approved. I requested an IRS approved monthly XXXX distribution from an IRA I own which paid over {$900.00} per month. We were placed in a second Forbearance and ultimately denied a reset to our HELOC. We had not missed any Forbearance payments. 
I found a portfolio lender that approved us for a higher interest rate mortgage and received a professional appraisal valuing our home at {$320000.00}. I wrote BMO/Harris requesting an extension so we would be able to close on this new loan. The extension was denied and Harris placed us to collections and filed with the court for Foreclosure. I was advised by Harris collections to stop making further payments on the HELOC. 
The new mortgage was then denied and Foreclosure is now pending. 



Documentation available upon request.

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 2019-08-08 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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 2019-08-08 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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 2019-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc.
State: VA

Complaint narrative:
This concerning a collection agency, name ( National Credit Services ). Wasn't notified of atempted to garnish my Social Security or any  pending court date. Was told they didn't have to. No verification of debt, was only told the amount. Have no documentation of any kind. The collection agency uses random addresses for purpose of claiming individual was notified at a address they didn't live. They coerce people into making payment arrangements through intimidation and threats just to end up getting their bank accounts cleaned out and large amounts of money taken from what ever source of income an individual has. People being left with no means to live. My only income is Social Security, in which is very little. Granted is pertaining to an old 16 year old school loan that i was unable to pay back. And never heard anything from anyone in all that time. I found out about my SS being attached because my money came up short. Wasn't notified at all not even by SS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: MoneyLion Inc.
State: PA

Complaint narrative:
Moneylion CONTINUES to report an account as open and 60 days late. Even though it was discharged in Chapter XXXX bankruptcy on XXXX. The company was notified, and yet today they updated my account to have it reflect as 60-90 days past due. Which tanked my credit score 48 points. I want this company stopped and I would like to explore a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They are harassing me at work. I've told them not to call my work and they called twice already. I live in California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
A collection account from IC systems has been reported on my XXXX   and XXXX  credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX  and XXXX 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 2019-08-08 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 14 and 15 of the  attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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 2019-08-08 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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