vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: NY

Complaint narrative:
The remaining balance on my student loans ( roughly XXXX in XXXX ) was discharged in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year  reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a zero balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

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 2019-09-20 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: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX  XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
On XX/XX/2019 the supposed lawfirm SUTTEL & HAMMER sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that XXXX XXXX has retained the firm to collect its claim against me. 
I do not know SUTTEL & HAMMER. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent SUTTEL & HAMMER asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX  is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XXXX XXXX SUTTEL & HAMMER committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has refused to re-open, adequately investigate, and fairly adjudicate a dispute between myself and United Airlines. I have submitted more than ample documentation to establish my case. Due to their own confusion, incompetency, and/or interest in expediency, I have been forced to re-open this dispute now 2 times. Most recently, after providing even more documentation and explanation ( attached with the complaint ), my written request for reconsideration was summarily rejected by Chase with no explanation for their decision, and to which I would add, was in total ignorance of the weight of the evidence presented by me ( vis-a-vis the merchant ). I also have been unable to speak to anyone in the Chase dispute department about the specific details of my case and the reason for their decision. I will now detail the precise nature of the dispute below : On XX/XX/2019, I made a United airlines reservation, locator XXXX, in the amount of {$210.00}. This reservation was cancelled on XX/XX/2019, within their 24-hour cancellation period. I was appropriately credited by the merchant on XX/XX/2019. 

Separately, on XX/XX/2019, I made a second United airlines reservation, locator XXXX, also in the amount of {$210.00}. This was cancelled on XX/XX/2019, also within the merchants 24-hour cancellation period. While I received a cancellation confirmation, which I have separately submitted here, no credit was ever received or issued. Because there were 2 identical charges, there has been some confusion in the Chase dispute process. The first charge, with the ticket number endingXXXX, was cancelled and properly credited, and is not in dispute. 

However, the second charge, with the ticket number ending-XXXX ( locator XXXX ), while cancelled by me on XX/XX/2019, was somehow not correctly processed by the merchant. I contacted them several times in the subsequent days to inquire as to why the reservation was still appearing under my profile. It was not until on or around XX/XX/XXXX, that the merchant manually cancelled my reservation in their system. This is the date the merchant is citing to refute my dispute, when in reality I made my attempt to cancel some 10 days earlier, and within the 24-hour cancellation period. I can only speculate that because of the identical nature of the 2 reservations and their cancellation at roughly the same time, the system encountered difficulty executing my second cancellation request. 

The case is fairly straight-forward then : I appropriately cancelled the reservation, and have provided evidence of this cancellation. United has presented no counter evidence, nor refuted my documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In 2016, I signed on with a credit counselor, who then contacted several creditors I had and they've been working with me to pay those off, since then One pf my creditors, being handled by ACCC, is XXXX. They are incorectly contacting me with statements that do not show their agreement to work with ACCC. However, when I call in, and the computer tells me information about my account, the information is correct. When I talk with a person, they tell me the other story. Right now, it's that a payment was missed last month, and my due date is my old one from before I started with the ACCC, of the XXXX of the month. With the ACCC, I had asked for, and received a change of that to the XXXX of the month. The statements I received do not reflect the realityof what is happening, even though it is somewhere in their computer, becaue the computer in the first part of the call, has the correct information. 

By the way, I've received the incorrect statements about every week, too. This is the 3rd one this month.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is foreclosing on my home. I submitted a loan modification/loss mitigation package to Bank of America, which Bank of America stated that it's employee lost the Mortgage modification/loss mitigation application. Bank of America never sent me a reply about the Mortgage modification/loss mitigation decision at all. Per The CFPB 's Statute 1024.41, Bank of America never notified me of the decision that they were going to foreclose on my home.I did not have an opportunity to appeal Bank of America 's decision because I did not know the status of the of the loss mitigation. I tried selling my home to avoid a foreclosure but Bank Of America did not respond. Furthermore, Bank of America did not credit my Mortgage as they mixed up my Mortgage loan number with others. Please 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me. 
I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
This is not a new complaint. See " attached '' documents of Midland Morgage unfair morgage practices ...

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 2019-09-20 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:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages XXXX XXXX attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company has called me on multiple occasions and every time I answer it is nothing but problems. They told me I " better go ahead and pay it before they start calling my employer ''. XXXX XXXX told me he was in process of " clicking the button right now '' if I don't pay it. Later when I spoke with someone else they said my account was safe until the end of the month so XXXX was just manipulating me. They have spoken to me about my account multiple times without verifying me or reading me a mini XXXX. There are several other things that have happened but I'm sure if you listened to the recorded calls you would see a million red flags. One person told me " the law requires him to report this to my credit '' We have had multiple phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2019-09-20 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: CA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for XXXX   XXXX  & XXXX XXXX. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.

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 2019-09-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

Company response to consumer: Closed with explanation