vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 and XX/XX/2019 to XXXX, XXXX and Transunion. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 andXX/XX/2019 to XXXX, Equifax and XXXX. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I was asking them to change the due date for me after 1st time repo my car and i was asking for the paper for detail that i was paying for get car out but no respond or info and keep asking for the payment for the car i just pay on XX/XX/XXXX and my due date is XXXX so i ask them to change my due date they said no. i didn't ask for low interest i ask for due date after repo my car. i was moving to my bro 's house. 
1st time that i was late payment should be avoid repo because my phone lost and i protect by victim witness assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
I disputed a fraudulent XXXX  account listed on my credit file. I was a victim of identity theft and the individual who broke into my property and stole my personal information credits etc was arrested and sent to prison. Equifax refuses to remove this account under the guise that XXXX validated it. When I asked what information was provided that supersedes an identity theft report and arrest data of the individual responsible they refuse to answer. They refuse to advise their policy for identity theft victims. When I asked what else could I provide that is more credible than arrest paperwork of the man who stole my identity they said nothing. Equifax refuses to acknowledge my rights and refuses to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars. 

Last year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around. 

Now I have submitted two disputes and I am worried that they also will not be processed correctly. 

I love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: MI

Complaint narrative:
In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet Experian continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can Experian confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for Experian to mishandle this account in this manner is unlawful. 

I believe that Experian is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit  report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due  diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: IL

Complaint narrative:
I purchased something with my for {$340.00} from XXXX XXXX XXXX with credit card AARP Chase ending in XXXX and never received the merchandise. I filed a dispute and was told by the merchant they if issue a refund only if I removed the dispute. I removed the dispute and the merchant now will not issue a refund. I have tried to reopen the dispute with Chase Bank and they are stalling. I have sent them all the documentation between me and the merchant showing the merchant promised a refund and asking me to cancel the dispute which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: SC

Complaint narrative:
Several weeks ago, I knew that my XXXX XXXX membership was going to be due at the end of XXXX. I called them, told them to drop my son off of the policy and send me a paper bill in the mail. The XXXX XXXX lady agreed. At the time, I had planned to pay the updated fee on my latest credit card. To this date, I have never received a XXXX bill. Instead, XXXX XXXX charged an old credit card of mine that I never use, CHASE VISA. I would have never known, as I no longer get statements, but Chase contacted me around a week ago via email, asking if this was a legit charge. I said, NO, it was not fraudulent ( although I question that ), but the XXXX company auto charged it and I wanted it removed. Chase said that they would remove it. Meanwhile, I sent an email to XXXX XXXX member care to handle the issue, and she was sorry, but she couldn't, blah, blah, blah. Both companies have been making me the go between for their laziness and mistakes. My husband works midnights. He gives me full permission to handle all the conflict these two companies have called with repeat phone calls to me, but they insist on me waking him up, asking him a million questions, and then letting him give the phone back to me. I see no resolution in sight without both harassing us to no end. I have XXXX and a XXXX XXXX. My husband works 60 hrs a week, and has health issues, too. My XXXX XXXX membership number is XXXX. I had cut up my Chase cards long ago ( and now both are supposed to be canceled ), so I don't know the full numbers, but my husband 's user name on the account is XXXX and the current email is XXXX for that one. PLEASE make them stop! Chase wants me to pay this charge for a service I do not want to get through XXXX anymore. After both screwed up, we got tow service from our insurance company XXXX. 
CHASE PHONE XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Thank you! 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX phone XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: OR

Complaint narrative:
Between XX/XX/19 and XX/XX/19 my Transunion credit score dropped 40 points. I accessed my credit report at Transunion.com and found no negative information. During the online identity confirmation process, I was asked " How old is XXXX XXXX? '' I was asked " What city is associated with XXXX XXXX? '' I do not know these people. I filed a formal dispute in writing via snailmail to dispute the drop in my credit score, and the association of these strange people with my credit file. Transunion responded by sending me another copy of my credit report. My concerns were not addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Greetings, I have a FHA loan serviced by Selene Financial Service. Four months ago I requested a loan modification as my our income has been reduced. Selene approved the loan modification, we called and explained that the payment is still too high because original payment was XXXX, the new payment was XXXX still over 31 % of income. we were advised that it was just a trial payment, the new monthly payment will be lower, when asked for the term, we were told, we will know the term once our loan is fully modified. in the meantime our credit is ruined, went to low 500s from 700s. the loan was reported to the credit bureau as a delinquent loan. we received a call today XX/XX/XXXX that our interest rate will go up from 4.0 to 4.5, and monthly payment will be {$2000.00} and they increased the month left to pay off the loan. So instead of help we were XXXX by Selene Finance. According to FHA mortgage letter, the loan interest rate will never go up, but should be reduced. I have been calling the lender, to no avail. We can not accept the new term that Selene is giving us because it will be detrimental. But we also are not able to bring our loan current because we are barely making it, that is the reason we asked for help in the first place. Selene was not straight forward, we were mislead into thinking that we were going to get help. That is predatory lending. Please help us solve this issue as we do not know where to turn. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: MI

Complaint narrative:
In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet XXXX continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can XXXX confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for XXXX to mishandle this account in this manner is unlawful. 

I believe that XXXX  is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: AR

Complaint narrative:
I'm having trouble removing these fraudulent items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
VIOLATION OF Federal Consumer Protection Act 809 FAILURE TO VERIFY/VALIDATE DEBT INCORRECT INFORMATION On XX/XX/2019 I was personally served with a summons for an  attempt to collect a debt I had no knowledge of. The summons claimed an amount of {$860.00} was being sought on behalf of plaintiff by attorney supposedly representing them. 

On XX/XX/2019 - I sent certified letter received by attorney on XX/XX/19 requesting competent evidence bearing my signature, showing that I have contractual obligation to pay attorney/plaintiff.

On, or around, XX/XX/2019 I received a package in mail from attorney with several pages of printed out credit card invoices with my name and address on it. No signature was provided, no written proof of Proper Assignment of Debt. 

The last page of the invoices showed a balance that was NOT the same as amount claimed by plaintiff. 

On XX/XX/2019, I send second certified letter requesting Name, Address, and telephone of each person who personally verified the account, and requesting copy of any documents bearing my signature, showing I have a legally binding contractual obligation to pay the alleged amount. 

On XX/XX/2019 I showed up in court at XXXX as directed on summons and plaintiff or representation did not. No proof was provided validating and verifying this account and plaintiffs proof of Proper Assignment of Debt. 

Attorney/Plaintiff has violated Federal Consumer Protection Act 809 a-d by not communicating as required by law and providing required information. 

Attorney/Plaintiff has failed to provide proper original signed documents with signature verifying and validating debt they are attempting to collect.

Company response to consumer: Closed with explanation