vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX/XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK LETTER ( ATTACHED ) DATED XX/XX/XXXX. CHASE BANK HAS INTENTIONALLY DECEIVED, INTENTIONALLY MISLED AND INTENTIONALLY IS ENGAGED IN DECEPTIVE BUSINESS PRACTICES AS CONFIRMED IN THIS LETTER. THE ISSUE AT HAND IN THIS LETTER IS THAT CHASE CLAIMS A BALANCE DUE AND OR AN ACCOUNT IS OVERDRAWN. 

I HAVE ATTACHED 3 PIECES OF EVIDENCE FROM CHASE THAT CHALLENGE AND DISPROVE CHAS CLAIM : 1. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT AND ON XXXX/XXXX/XXXX CHASE PROCESSED A CREDIT DDA CHARGE-OFF FOR {$39.00} THERE WAS NO BILLING AND OR COLLECTION ATTEMPTS TO WARRANT A CHARGE-OFF, YET CHASE DID. BALANCE CLOSURE OF XXXX. 

2. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT THE FINAL DIRECT DEPOSIT FROM THE UNITED STATES TREASURY WAS RECEIVED ON XX/XX/XXXX WITHDRAWN AND CLOSED ON XX/XX/XXXX. BALANCE CLOSURE OF XXXX. 

3.A CHASE BANK BRANCH RECEIPT DATED XX/XX/XXXX. THIS RECEIPT WAS GENERATED BY A TELLER AND SHOWS A BANK ACCOUNT BALANCE OF XXXX. 

4. CHASE PROCESSED A CHARGE-OFF WITHOUT THE LEGAL REQUIREMENTS TO PROCESS A CHARGE-OFF. 

5. CHASE BANK 45 DAYS AFTER ACCOUNT WAS CLOSED ON XX/XX/XXXX BILLED FOR A CHARGE-OFF, CLAIMING NOW IT WAS A BALANCE DUE. 

6. THIS IS AN ACCOUNTING AND TAX BENEFIT THAT CHASE RECEIVED QT 4 XXXX AND QT 1 XXXX A LOSS THEN REVENUE. A VIOLATION OF THE SEC RED FLAG RULES. 

7. CHASE MOST LIKELY CREATED THIS SCHEME TO DECEIVE AND CAUSE FOR CONSUMERS A CHARGE-OFF TO REPORT TO CREDIT REPORTING AGENCIES TO JUSTIFY A CLOSURE AND REPORTING. IT ALSO IS A RETALIATORY ACTION TO INTIMIDATE OR CONFOUND CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: VA

Complaint narrative:
I had my loans through GreatLakes.org initially. It has recently transferred to XXXX. 
It's been 10 years since graduation and I have been paying faithfully every month. At no time was I told about the Public Service Loan Forgiveness Program by my lenders and they never mentioned consolidation of my loans until I phoned and asked. 

About 5 years ago, I tried to apply for PSLFP with Great Lakes and was told I did not qualify. They did not offer to consolidate my loans of inform me of any of the terms of the program. I thought it was a scam! 
Recently it came up in our office again and I reapplied and got my application forms filled out by my employer and sent to XXXX XXXX. When I followed up with a phone call they told me I needed to consolidate and this would set the clock for 10 years from now! 

I am nearly finished paying my loans, but it would have been nice to have that information 10 years ago when I graduated. Hope this helps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: IA

Complaint narrative:
In XX/XX/XXXX I cosigned a loan with XXXX XXXX XXXX in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
inaccurate information on credit report no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TX

Complaint narrative:
inaccurate information on credit report no knowledge of

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 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Disputed the debt several times and the debt is passed it statue of limitations. The creditors no longer have the debt on my credit report but the collection agency reaged the account and refuse to take it off my credit report. The amount was {$940.00}, they are violating my rights! I have diputed this account over a year now! Last letter they sent was XX/XX/2016!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-18 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  : XXXX Experian : XXXX 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 non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Working with XXXX XXXX CEO XXXX XXXX who directed me to XXXX XXXX a higher up in the Ohio. I need 6 months of relief. I have {$100000.00} in equity. I have owned home for 13 years I don't want to have to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 2018-10-18 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was victim of Transunion inquiry issue. I have inquires on my report that are not valid. I contacted Transunion multiple times and constantly was hung up on and finally asked to speak with a supervisor who did not speak good English and ended up saying they could not help me out. Below are list of inquiries that are not suppose to be on my report due to their mishap. 

XXXX XXXX- inquiry form XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX/XXXX  - inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XX/XX/2018

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 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.

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 2018-10-18 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: TN

Complaint narrative:
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.

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 2018-10-18 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: PA

Complaint narrative:
Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation