vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
Transunion refuse to correct wrong infomation there is infomation on my report that is not mine. I dont have any mortage on house or do i have car loans and address on here that are mine. And companies that i never worked at and credit cards that are not mine plus two account one s student loan that i never applied for our attended the school and i dont have any doucment saying that i was accepted at school and i spoke to the school at time when the deptartment of education started hassaring about the loan and school told me that i dont owe them or dept of education.and i have medical bill that was supposed to closed.and the worst part is they asked a question about my mother who has been died since XXXX.this very get me angry .who dare they bring my dead mother up. I want this infomation removed from my report. There address that are wrong and half them i never lived there.am tried of this These debit are not mine.

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 2019-06-13 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: United Consumers Inc
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to dispute a new derogatory remark that appeared on my credit report on XX/XX/XXXX. This collection stems from an incorrect billing code that neither the doctor 's office nor the insurance company was able to fix after both parties acknowledged that it is a billing error and I should not be responsible for the payment. Please see a brief timeline of events below : XX/XX/XXXX - a medical procedure was performed which I was told would cost me a total amount of {$80.00} that I paid prior to the procedure by the doctors office. ( See attached document titled " chase '' ) XX/XX/XXXX-XX/XX/XXXX - I spoke with both doctor 's office and the insurance company on three separate occasions describing my issue and both parties agreed that its simply a billing error and I should not be responsible for the additional charges. Additionally, the insurance company took initiative and stated on each of the three phone calls that this issue would be resolved in 30 days. 

XX/XX/XXXX - I received a collection notice from United Consumers stating that I have an outstanding collection amount of {$250.00}. Further, the letter states that if I dispute the validity of this bill, I should notify the office in writing within 30 days from receiving this notice and the collection agency would obtain verification of this debt. ( See attached document titled " United letter '' ) XX/XX/XXXX - I sent a detailed letter to both the collection agency and the insurance company disputing the validity of the bill and highlighting why I should not be responsible for this bill and requesting that both parties take action to help resolve this issue. ( See attached documents titled " Insurance '' and " United '' )  XX/XX/XXXX - I received a notification from several credit monitoring services stating that I have a derogatory remark on my credit report. 

I was completely surprised by this due to the fact that United Consumers never followed up with me or provided me with a debt verification notice. I was under the impression that this issue was resolved since I didnt hear anything since I sent the letter on XX/XX/XXXX. 

I am requesting that you please help me resolve this issue as soon as possible so that this miscoded bill is taken off of all of my accounts and the derogatory remark is removed from my credit report. 

Please let me know if you have any further questions or concerns.

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 2019-06-13 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-13 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am refinancing my mortgage. I started the process with Quicken Loans. The initial disclosure was what I expected. The final disclosure was drastically different with less cash out, I wanted to know why so I read it. 

They added on discount points ... however my rate was the same, no discount. They had me at a 4.5 % rate with 2 points at about {$7000.00} tacked on. So not only was the rate above average at the time, but they were also charging me for it. 

I went to another company and got a lower rate with no points. 

The reason for my complaint? 

1 ) They added it on at the end 2 ) The discount points are supposed to be bought in an agreement for a rate discount, there was none, I was given that rate which was above average and was never asked if I wanted to pay points to lower the rate. 

Is it illegal to charge discount points on a mortgage when the client is not made aware, and no real discount is given for paying said points? 

It seems like what would be an illegal practice to charge discount points without giving the discount on the rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I cancelled my account with XXXX for XXXX XX/XX/XXXX and get billed anyway via Paypal. The site was not working to submit a fraud claim. Chat reps would not help because they said they were untrained. I contacted XXXX to cancel and still get billed I called the XXXX # I am undergoing XXXX XXXX tests and Paypal 's rep told me they do not help XXXX like me and XXXX  XXXX XXXX and if I reported him -- I will pay. I get my refund from XXXX and money for the harassment by this rep or I sue your company for discrimination under the ADA I want no more charges from 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 monetary relief
Consumer complaint received 2019-06-13 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:
XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE SENT NUMEROUS TIME MY IDENTITY THEFT REPORT TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I am a veteran. My husband and I were pre-approved by USAA and contracted to buy a home 3 weeks ago. We have submitted all supplemental items requested by the bank yet, we have not heard from our loan processor once. She apparently had some sort of situation and has been unable to address our loan. We were passed off to another loan processor who wouldn't respond to emails and then went on a week vacation without informing us, or having any sort of auto response to emails. She just disappeared for a week ( after several days of her not replying before she went on vacation to begin with ). We only found out when we called her manager to complain, who assured us our original loan processor was back. That was 5 days ago, still no word from her either. We need to have our loan commitment in 6 days, and we can't get ahold of any processor who is handling our loan. If we don't secure this loan in the next week we could lose our house. If they had an employee emergency and the alternate is too busy to help, someone should have told us that no one was handling our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please review the attachment. Remove the inquiries and place an extended fraud alert on my credit report. After reviewing my most recent credit report I have reason to believe I am a victim of identity theft.

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 2019-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported to Amazon, that I find out in XX/XX/2019, that XXXX XXXX whom rented a room in the same home as me from my grandpa has opened up four charge cards under my name and used my checking account to make payments on them. Whom had access to my personal information and mailbox key. I have also file identity theft. gov and reported and online file report with the police.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax information services keeps reporting a bankruptcy on my file in various was its been deleted multiple times then re added with new date new filing statuses and different case numbers which all has been documented since 2016-present

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
It's two accounts with this company. 
{$140.00} XX/XX/2018 {$220.00} XX/XX/2018 I have written them a letter with about the account with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: CT

Complaint narrative:
I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.

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 2019-06-13 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: CT

Complaint narrative:
I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I tried to make a payment with Navient on XX/XX/19 online. When I went to the website, there was a posting that the site would be down for the weekend for system updates. I called the Customer Service number and received an automated message stating all systems were down for maintenance, including the automated system ; therefore they Customer Service Dept was closed. The call then promptly disconnected. I tried to reach Navient throughout the day on XXXX and was only able to get through the website after XXXX on XXXX. I then submitted my payment. 

Since my loan accrues daily interest, I called the Customer Service number on XX/XX/XXXX to have my payment pre-dated. I was told that was not possible. I then asked for a credit to be applied to my account for the extra interest I would be charged since their systems were down and I was unable to make the payment when I had intended. I was also told that was not possible after speaking with a manager. 

During the weekend of XX/XX/19, Navient made thousands, if not millions of dollars, in daily interest charges by not accepting payments from customers during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: CA

Complaint narrative:
Fidelis Recovery Management , LLC They keep on calling my cell, mothers cell and house phone nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I was in school my dad helped me apply for a loan. His friend was able to be my co-signer at the time. Once I graduated, my consigner began to harass me and bully me into releasing him from my loan. I tried to reach out to the company to make it happen but they said that I would have to wait 12 months before applying. Last month my co-signer sent me an email requiring me to remove him as my co-signer by XXXX because he is moving to XXXX and will not contact me. I told him that I have to wait 12 months and he became very angry with me and my family. I have been BEGGING the company to remove him or at least replace him with my dad ( who has offered to do so ) because of the constant harassment I am facing. I don't understand. I have been with this company for years and have always paid on time or told them if I loss my job and need to lower payment. I have a well-paying job and have autopay. Why can't they not ( just this once ) refrain from using their process and help me in a time of need and abuse. I am literally being mentally and emotionally abused by this person and need to remove him before something happens. I am begging my company to just do the right thing since he is moving to another country and won't even help me if something went wrong. Why won't they help me. That is why I have to each out to consumer finance for HELP!

Company response to consumer: Closed with explanation