vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by TransUnion it is reported that I have been employed by the XXXX since XX/XX/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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/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 2019-03-12 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: TX

Complaint narrative:
Equifax and XXXX are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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:
On XX/XX/XXXX, I mailed Equifax an identity theft affidavit, police report and other documents to 1 ) verify my identity and 2 ) address fraud that was found on my report. 

Disputes were opened. 2 accounts were not removed even though they were listed on my report. 

I contacted Equifax and informed them the police department had done and that the FCRA required them to remove and block the account within 4 business days. I spoke to a supervisor. The conversation was moving along fine until I questioned why those accounts were not removed. She explained a 30 day dispute process, to which I explained that I had already waited 30 days. I am currently in the process of buying a home and that account was not mine. She said she would submit ANOTHER dispute that would take AN ADDITIONAL 30 days. I explained that was not correct and I did not have an additional 30 days. When she seemed bothered by my questioning, I explained maam this isnt personal. I just have a home I have literally saved 5 years for thats depending on this. Its nothing against you. 

Her EXACT response : Im not upset, Im Chillen! 

Then proceeded to put me on hold for 5-10 more minutes and transfer me into a dead end line. 

This is completely unacceptable and I know my rights under the FCRA. I expect those laws to be adhered to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
Few hard inquiries in my EQUIFAX report, EQUIFAX refuses to remove even though the creditors confirmed to them and me that those inquiries are fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Filing a new complaint because Chase closed my previous complaint without a response ( I made 6 phone calls to their Executive Offices which were not returned : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX of 2019 ). 
In XX/XX/XXXX2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF  statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB. 
This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I am XXXX years old and on a fixed income, and needed money to go to the funeral of my brother in another state. I also had to pay large medical bills that were charged when I was in the Hospital in XXXX, 2018. I borrowed {$2500.00} from Cash Central. I have paid five payments in the amount of {$390.00} each. I had to miss five payments because it was too much to pay with my additional medical bills.One of my medication was {$300.00} for my XXXX XXXX. With late charges and interest I now owe {$4300.00} which is much more than I borrowed. I called to ask if I could PAY {$100.00} PER MONTH UNTIL IT WAS PAID, BUT i WAS REFUSED. I get at least seven calls per day and night trying to collect the full amount. This brings on added stress which affects my XXXX XXXX. I wear a XXXX and XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Today I contact Navient as a result of learning a company that was managing my loans ( XXXX XXXX XXXX XXXX ) was suspended and under a lawsuit submitted by the FTC. When contacting them today and within the last few months, I informed that I did on any call to Navient the XXXX was managing my loans. Each representative stated, we aren't affiliated with that company and it was not until today that I was given a telephone number to file a complaint about paying this company to manage my loans. After attempting to submit an IDR application and learning that my payments would be $ XXXX+/months, I logged in to my account and notice my loans had increased by {$20000.00} since 2015. Outrageous! The representative told me the only option I had was to go into forbearance plan where she then mumbled off a disclaimer about paying interest but never mentioned my interest rate would increase. I am single and pay a mortgage and car note and other necessary bills alone and I don't even have credit cards as I manage my debt responsibly. I filed a complaint with the FTC about the XXXX in which I have paid over {$2500.00} to since XX/XX/2015 in which I was told my debt would be reduced from {$62000.00} to {$40000.00}. I was sent a contract that showed my payment to XXXX would be {$100.00} per month will I paid about {$75.00} to Navient. I was told the {$40000.00} would not reflect until the end of the XXXX year contract. I am learning that none of the money I paid to XXXX went towards my loan and only today did Navient mention I had been in forbearance for XXXX out of XXXX allowed months. I have been left no option but to go back into forbearance since I could not pay {$500.00} payments due to my loans having increased from {$62000.00} in 2015 to now {$80000.00}. I have never been late on any payments to either Navient or XXXX. I do not understand how the XXXX was allowed to scam students for this long. Navient also took advantage of the situation and accepted all documents from XXXX and increased the interest rate without my knowledge especially since I did not submit the documents directly to them. I am requesting that I be refunded my money not only from the XXXX but Navient completely forgive my student loans! A formal lawsuit should be filed against Navient as I have been an honest paying citizen who was taken advantage and now being asked to pay {$80000.00} in student loans and now only being given a reasonable payment of a car note with no other options but forebearance. I have all the documents that show the contract that was presented and the interest rate increases of Navient ; however, I am unable to attach them to this complaint since they all include my SSN, account numbers and/or address. I would like for some assistance with the balance of my loans. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TX

Complaint narrative:
XXXX and Transunion are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

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 2019-03-12 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: The CMI Group, Inc.
State: TN

Complaint narrative:
XXXX XXXX, XXXX. a company I have never had an account with placed a collections on my credit report. I contacted this company to tell them I paid XXXX directly and would like them to remove this account from my credit file as I have no relationship with this company. The young lady I was speaking to was rude and hung the phone up in my face. I have filed a complaint with this company regarding that lady 's behavior.

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 2019-03-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TN

Complaint narrative:
This account is an not accurate I do not owe the amount stated on my credit report. The balance listed is not accurate at all. I wrote both the collector and the credit bureaus and have not received a response from either in this matter. They failed to respond within a 30 days period. Please remove 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 2019-03-12 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: NV

Complaint narrative:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, 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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: LA

Complaint narrative:
I am been receiving collection letters from Linebacker Goggan Blair & Sampson, LLP since XXXX about a tollroad debt that is not my debt. On numerous occasions, I have tried to explain to the collection agent that I don't owe those charges. This can be verified with XXXX XXXX XXXX XXXX XXXX  as well via several calls I have had with them including a call in XX/XX/XXXX. The invoice # XXXX for reference. 
The collection agency has not followed up with XXXX

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 2019-03-12 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: IN

Complaint narrative:
XXXX : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. 

You will see in my letters dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XXXX XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XXXX XX/XX/XXXX. 

It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XX/XX/XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. 


Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, 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 2019-03-12 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:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached XXXX report. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2018 a civil judgement was filed from XXXX XXXX XXXX against me. In XX/XX/2018 the case was dismissed by XXXX Municipal Court. Unfortunately this matter shows up as an eviction on my record even though that is not the end result.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
We have been charged PMI insurance from the date of our loan origination, this was despite the fact we had an appraisal showing the value of the property is significantly higher than the sales price. We requested the PMI insurance be immediately removed and a refund for the payments made as the there was more than an 80 % LTV on the property as required. The lender is refusing to honor the appraisal they have had in their possession since origination and was used to gain original approval for the loan. We feel the lender has fraudulently charged this fee and is refusing to remove the ongoing charges.

Company response to consumer: Closed with explanation