vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bankruptcy chapter XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX { dispute_item_and_explanation } XXXX XXXX XXXX XXXX {$3700.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} {$300.00} 17 % Revolving Negative XX/XX/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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I'm filing a complaint against the XXXXredit reporting agency Trans Union. Trans Union registered me for a credit report service without me requesting this service or even knowing about its existence. Since XX/XX/2017, they have been charging me {$19.00} monthly totaling {$430.00}. I recently discovered this unwanted charge on my card and have canceled this service. However, it was extremely difficult to cancel this service and took over one hour, as I could not find any place on their website to do so. I had to find external instructions from other people who were also registered unknowingly.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
COMPANY MR.COOPER ( AKA NATIONSTAR ) HAS NOT CREDIT MY ACCOUNT WITH {$3600.00} THAT THEY MISTAKENLY PAID ANOTHER HOMEOWNERS INSURANCE POLICY. 
SPOKE TO THEM ON XX/XX/2019 AND WAS TOLD THAT THE MONEY WAS GOING TO BE CREDITED INTO MY ACCOUNT ONXX/XX/2019.THEY LIED SINCE THE MONEY ISN'T THERE. 
ISSUE BEEN GOING ON SINCE EARLY XX/XX/2019 AND THEY ARE PLAYING GAMES WITH MY MONEY. 
WANT MY MONEY BACK ASAP.THIS ISSUE IS HURTING ME FINANCIALLY SINCE IT SHOWS THAT I AM NEGATIVE ON MY ESCROW INSTEAD OF BEEN POSITIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( XXXX XXXX ) with no successful resolution. XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Two years my Equifax family account was hacked. I received notice but told I would not be able to pursue any lawsuit. Not only was my social security number stolen but so was my wife 's. I have my credit frozen but am currently being investigated for a XXXX XXXX XXXX and am concerned about lifting my credit freeze. I have read my personal identification information is out there and can be used at any time, so my concern is the unknown future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I requested my Equifax free credit report online on XX/XX/2019 on XXXX : XXXX. Equifax will not allow me to get my report online, so I have to fill out a paper form and mail it in each year. Presumably this is because I have a security freeze on my account because I am a victim of ID theft. However, neither XXXX nor XXXX require that I fill out a paper form. Requiring that I send them a paper form, even though I have provided all needed info online, puts me at risk in two ways : 1 ) it opens me up to loss or theft of still more info by requiring me to send in a paper form with documentation, and 2 ) it provides Equifax with still more personal info about me because they require identity and address documentation. I should not be " punished '' and exposed to increased ID theft simply because I have a security freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/19 I sent in a letter to Equifax indicating discrepancies on my report. I sent a screen shot of those discrepancies so there was no dispute about what I was questioning. Instead of deleting the account as they should have for there was factual disputes, they updated their system to reflect the discrepancies that I provided. 

Because of the neglect in ensuring everything on my credit report is accurate and to date they should have deleted the information and not updated based upon the information I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I refinanced my existing mortgage. On XX/XX/XXXX at XXXX the title company wired the money to NewRez ( the exising mortgagor ) to pay off the mortgage. NewRez applied the payment on XX/XX/XXXX and took 3 additional days of interest out of my escrow without any notification to me. How can they the steward of my escrow account take money out for their benefit without any kind of notification? This should be illegal!!! The title company has provided me proof of the wire to NewRez the morning of XX/XX/XXXX and I have forwarded that to NewRez and their response was it took 3 days to process. They charged me 3 days of additional interest by taking my money without permission thru my escrow!!! How can this be?? dont they have a fiduciary duty-Its my money and their charge was crooked and false. How many people are they stealing from? Im sure this is a widespread practice. Along with delaying my escrow refund by 30 days with no interest on my money. They charged me XXXX in interest for a time period they already had my money ( full mortgage had been paid off )!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion and XXXX  had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 Transunion put the {$91.00} balance back on my XXXX XXXX XXXX and XXXX {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how Transunion and XXXX can increase a XXXX   balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to 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 2019-07-22 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:
Different inquiries are on my account and I was being billed from a random marketing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NJ

Complaint narrative:
I was a victim of identity fraud. I submitted my documentation and police report indicating the accounts on my credit profile was not mine. Transunion deleted a collection XXXX XXXX XXXX and a Bankruptcy that is not mine. 

XXXX XXXX XXXX was deleted. Without notification from Transunion, I was notify that the account was going back on to my account.

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 2019-07-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX and Equifax had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 XXXX  put the {$91.00} balance back on my XXXX XXXX loan and Equifax {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how XXXX   and Equifax can increase a XXXX balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am getting a mortgage in a year, so I have been paying down debt that is the result of a divorce. According to XXXX XXXX web site ( they just increased my line, by the way ) my credit score is XXXX, which is good. But the XXXX site shows it as XXXX, which is poor, and they state that it is provided by Transunion. I recently ordered all three agencies ' credit reports and they are identical. I called Transunion today and got a bunch of evasion from the rep. I know that Transunion is currently being sued. 

I am trying to raise my credit score to XXXX in the next year, and I am on my way. But Transunion will make that impossible. 

Can you help?

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We fell behind in 2017 due to excessive obligations when property was unoccupied. Since then we have tried and tried to reach out to Bank of America for help. They have FAILED to even try to assist with any Loss Mitigation options for what they say as the INSPECTOR 's word against ours. 

Our case for modification review is flagged because of the issue at inspection on XX/XX/17. At that time, according to INSPECTOR, tenant informed inspector that XXXX XXXX was not residing at the residence and the property was tenant occupied ONLY. 
We believe there may have been a NEIGHBOR that inspector spoke with and not a tenant. According to XXXX XXXX mother who was present on XX/XX/17, the inspector only spoke with a neighbor two homes down, and herself. 
It is clear that an error occurred with neighbor-to-inspector interaction at time of inspection. The only person present was XXXX XXXX mother. No other interaction with any tenants occurred during time of inspection. Property inspection had inaccuracies. We are requesting the proof that inspector had a valid reason to flag this file and/or accuse XXXX XXXX of being deceptive. We stand by the letter provided and dated for XX/XX/17, where XXXX XXXX clearly states he has no tenants and no rental income at that specific time.

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 2019-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK, NA, CONSUMER LENDING DEPARTMENT SENT A LETTER DATED XX/XX/2019. APPLICATION # XXXX STATING MY CREDIT SCORE IS " XXXX ''. 
I UNLOCKED AND UNFROZE MY CREDIT REPORT SO THE EMPLOYEES IN THE LOAN DEPARTMENT COULD ACCESS MY REPORT. I HAVE A GOOD CREDIT. 

TD BANK EMPLOYEES DO NOT RESPOND TO INQUIRIES WELL. 
EVEN WHEN THEY ARE OBVIOUSLY AT FAULT. 

I WANT CFPB TO RESOLVE THIS ISSUE. 
I AM BEING DESCRIMINATED AGAINST DUE TO AGE, INCOME, DISABILITY AND VETERAN STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Attempted to pay online entire outstanding balance of a Chase Vise card on or about XX/XX/19, using a check issued against XXXX XXXX. Chase website returned as though the payment was processed, and deducted the payment. Some 6 to 10 days later, Chase reversed the payment as " returned. '' There was no notice nor any explanation provided to me of any kind about this " return, '' I discovered it by going online myself. During the interim time delay caused entirely by Chase, they added a {$28.00} " return item '' fee and a {$100.00} finance charge for another period. I have inquired with XXXX, and the check is good. XXXX indicates, as does Chase, that it was Chase that chose to reject the payment ( again, no explanation given, and no notice that they would, or already had, rejected the payment ). I have requested an explanation from Chase, and their customer service reps say nothing in response. Now, I can no longer input the routing and account info from XXXX XXXX into Chase 's online payment portal. Chase appears to be purposefully impeding the pay-off of their balance in order to continue to levy finance and other charges. I would like the {$28.00} + {$100.00} charges reversed, and for CPFB to investigate this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I sent the company a letter on XX/XX/2019, a request to validate the debt, they did not and continue to send harassing letters. 
the medical bills were paid by the insurance company and the hospital is trying to say they did not get paid enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
The company keeps contacting me at a work number. This number is at a shared desk and isn't always used to contact me. I have asked them to remove this number in case someone else sits at this desk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
My identity had been stolen, someone has opened credit cards in my name, your company has previously removed or block this in formation however you have placed it back in my credit damaging again my credit, please remove this XXXX XXXX   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 non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jzanus Ltd.
State: NY

Complaint narrative:
The collection agency is trying to collect a debt not owed. the Hospital wants to collect money not owed, the insurance company paid all debts. 

Sent the debt collector a letter to validate the debt and they did not and are still harassing

Company response to consumer: Untimely response
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Yes I have an Complaint filed to your complaint services starting back in XXXX of 2019 under my email address of XXXX .My name is Mr XXXX XXXX XXXX XXXX I also had XXXX XXXX  Ultimate Protect Package with All Three Credit Buruea ' s can I Have My Complaint add To the Eqafex settlement. Claim number # XXXX I also had added a Credit Freeze to my Identity in XXXX of 2019 with XXXX  and Had to close my Account in XXXX of 2019 because of Withdrawal From my Bank Account that Was Taken because of Data Errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a customer of JP Morgan Chase via its Chase Freedom Card for over 10 years. I notified the company that I wanted to collect my points in the form of cash a few months ago. Recently I was traveling with a minimal balance on the card. When I called to collect the points I was told that since my account was past due owing to one missed payment ( the total amount of which was less than 1/7th the amount I'm due in cash from points conversion ) they couldn't pay me anything for the points anymore. This appears to be fraud to me and I want to pursue this matter to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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 submitted to TransUnion a dispute about my XXXX account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, TransUnion did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel TransUnion to delete the XXXX account for inaccuracy as highlighted in my dispute letter.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In 2017, XXXX breach exposed my personal data. As I see that the company reached a settlement to resolve the investigation, I would like to file a complaint against them.

Company response to consumer: Closed with explanation