vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX XXXX  and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
An authorized user was added to my Discover credit card. They won't tell me the name or date that it happened. So far I have found over {$10000.00} of fraudulent charges because of this.

I have provided proof that my computer and online account was hacked, that they sent cards to addresses that I've never lived at, have filed a FTC identity theft report, and filed for corrections to my credit report. Discover said they conducted investigations, but when I would call to ask for updates, the client services department would have no record of investigations. Eventually, some of the charges were looked into. They claimed no proof of fraud ( despite everything I provided and no evidence that it was a legitimate claim ) and then re-charged my card for the amounts disputed, even though they never provided a debit while investigating. I've had 4 card numbers opened, immediately fraudulently charged, and then closed over the last year and a half. Each time a mysterious " TRANSFER BALANCE '' charges show up, even though no one at Discover can tell me what they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunion, has 2 inquiries on my credit report without my permission. transunion has not answered my letter requesting method of verification. XXXX XXXX and XXXX. transunion only tells me the information was verified and then sends me nothing else after 45 days has expired. the are in violation of FCRA, and still have not send me anything

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just discovered multiple, unauthorized transactions on my Chase Checking account from XXXX. I contacted my bank, Chase and spoke to XXXX Chase Bank Representatives about the 36 unauthorized charges from XXXX, XXXX CA. Chase Bank Representatives looked into the charges on my checking account and transferred me to the Claims Department. The Claims Department Specialist closed my chase credit card and put in another new card for me to receive. I received the new Chase credit card on XX/XX/19. I explained to the Chase bank Representatives that I did not makes any purchases with XXXX nor use my chase credit card on XX/XX/19. However, the unauthorized charges from XXXX are still on my Chase Checking account. Chase Bank allowed XXXX XXXX to withdraw all of my funds out of my checking account. I am in the negative status. Why would Chase Bank allow XXXX to gain access to my funds that is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Credit Karma, LLC
State: NM

Complaint narrative:
The date in question is XX/XX/2019. Company involved is Credit Karma. Attempts to contact them unsuccessful due to the fact there is absolutely no way to reach any customer service representative. I received an alert by Credit Karma that my XXXX credit score had dropped by XXXX pts. This as a result of a " new chapter XXXX bankruptcy '' reported by my credit union. Also that my open XXXX loan was listed as closed. These 2 items are totally incorrect. Multiple items regarding supposed debts owed, incorrect. I contacted both my credit union & XXXX ( I filed a dispute ). Neither companies had any facts as described above. Advised by XXXX to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. 
My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. 
Please help. I ama victim. I am didcriminated against & violated by this servicer. 
XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XX/XX/XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XX/XX/XXXX which is why I paid {$62.00} to catch up and I also paid again in XX/XX/XXXX. So I made a total of 3 payments in XX/XX/XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX  has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XX/XX/XXXX and that's why I paid $ XXXX monthly.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XXXX which is why I paid {$62.00} to catch up and I also paid again in XXXX. So I made a total of 3 payments in XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XXXX and that's why I paid $ XXXX  monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX  has taken or cleaned out all of my funds from my Chase Checking account since, XX/XX/2019. I discovered these multiple, unauthorized 36 transactions on my chase checking account from XXXX in CA of XXXX   text. I contacted Chase Bank Representatives and told them about my unauthorized charges. The Chase Bank Representative looked into the unauthorized charges on my checking account and transferred me to the Claims Department. The Chase Claims Department Specialist filed a claims against XXXX  XXXX. The Chase Claims Department Specialist closed my current chase credit card and put in another new chase credit card to be delivered expeditely. I explained to the Chase Bank Representatives that I never made any purchase nor charge anything with XXXX  on XX/XX/2019. Chase Bank allowed XXXX XXXX to take all of my funds from my chase checking account, which is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Opened account XX/XX/XXXX. At the time my credit was poor. Since then in an attempt to improve credit rating I opened a couple of credit cards to establish an improved credit rating. I consistently paid on time and never missed a payment. My credit rating improved over the year. In XX/XX/XXXX I paid account down by {$400.00} with a balance of {$400.00}. Within 3 weeks they decreased my limit to {$460.00}. I continued to pay on time. On XX/XX/XXXX I paid off account. On XX/XX/XXXX they closed my account. I called, they said it was based on my credit overall report. Only item that changed was an erroneous remark from XXXX  that a payment was missed. That was resolved and removed from my credit history. Even though my credit is in better standing than when I opened account they closed it, which negatively affected my credit rating. I asked them to please review it again since the recent missed payment from XXXX had been resolved. They refused, stating once an account is closed, it will remain closed forever. Im concerned about their blatant disregard for the consumer.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
As you are well aware, Ocwen loan Servicing Co. LLC is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in XXXX dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current XXXX  and XXXX credit reports are showing that on XX/XX/2019 Ocwen Loan Servicing Co LLC reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information Ocwen Loan Servicing LLC reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap.

Im tired of Ocwen 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on Equifax credit report. I contacted Equifax and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to Equifax and mailed loan information to me. I then faxed information provided to Equifax. I was told by Equifax if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by Equifax & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and Equifax to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at Equifax that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to Equifax and mailed me another copy which I faxed to Equifax as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal has robbed me of all of my funds from my XXXX Checking account on XX/XX/19. I never approved of the unauthorized 36 charges from someone named, XXXX XXXX of CA. I contacted XXXX XXXX   Representatives and they looked into the unauthorized charges in my XXXX checking account. I explained to the XXXX XXXX  Representatives that I never made purchase with PayPal nor used my charge card. However, I checked my PayPal account on XX/XX/2019 and did not see these unusual charges on my Paypal account. XXXX XXXX  gave Paypal Company the permission to gain access to my all of my funds in my chase checking account which is in the negative status.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I have received numerous written attempts to have me pay a debt already paid with the XXXX XXXX XXXX, TX. I have requested they stop calling me, have complied with their request for proof of payment, have contacted the XXXX XXXX XXXX, have gone online to ascertain if the debt is real. The XXXX XXXX XXXX assures me that I owe them nothing, even though the collection agency asserts that they have been hired by the XXXX XXXX XXXX XXXX Courts to collect the debt. I have gone online to the site the collection letter refers me to, an official XXXX Government site, and there is no record of any outstanding debt there, either. Now the collection firm is telling me a warrant will be issued and my drivers license will be revoked or suspended.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with explanation