vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: WI

Complaint narrative:
On XX/XX/2017, i, sent out dispute letters certified mail to Transunion, XXXX and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 transunion and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the XXXX credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

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 2017-08-03 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: OH

Complaint narrative:
I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was not properly informed about the terms of the loan. I was not mailed an initial confirmation letter nor a loan monthly/annual summary statements in the first 4 years of the loan. I was not told the loan was purchased by Discover. I Did not understand the loan was at a variable interest rate. My mother   XXXX   XXXX   was put as a co- consigner. She was not present when I toke out the loan. We did not find out until years later. My father 's signature show as the only co signer, yet my mother is on all the paper work. I ask Discovery for a copy of the original loan paperwork with the cosigner signatures and was sent one. Only my father. I have been paying on this $  XXXX  loan about {$190.00} a month for several years. The balance is $ 16k approximately. I found on the internet others have had this same problem.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-discover-bank-to-pay-18-5-million-for-illegal-student-loan-servicing-practices/ Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE ASKED TO PLEASE UPDATE MY CURRENT CONTACT PHONE NUMBER WHICH IS ONLY (  XXXX  )  XXXX . Please delete past phone numbers (  XXXX  )  XXXX , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (   XXXX   )  XXXX , (   XXXX   )   XXXX  , (  XXXX  )   XXXX  , (   XXXX   )   XXXX  , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (   XXXX   )  XXXX , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  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 explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

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 2017-08-03 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: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
Please see attached copies of the - CAROLINA FINANCE , LLC   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , NC- XXXX  prior to the deletion that occurred in XX/XX/XXXX  per law. The original date of the first delinquency was  XX/XX/XXXX which has now been reentered illegally reflecting a date of 1 XX/XX/XXXX . Also, my credit score has taken a major hit as the account is reported as the first major delinquency as  XX/XX/XXXX  which was previously listed as  XX/XX/XXXX . I have attached a copy of the  XX/XX/XXXX  reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: SD

Complaint narrative:
We paid {$10000.00} in  XXXX  on Student Loan managed through Aspire. Aspire is reporting us 90 days past due but our credit report for  XX/XX/XXXX  as well as  XX/XX/XXXX  shows the student loan status as current. This 90 day delinquency has resulted in a   XXXX   point drop in credit score. Upon seeing this on the report, I made payments to bring the account current and sent in an auto-pay authorization form to prevent future late payments. I contacted Aspire to ask them to rectify this inaccurate reporting of my account standing as my credit score has been significantly diminished. But they have refused to remove the lates from my report. I have had impeccable payment history on this account as well as my credit card accounts for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax sent me a letter thanking me for reaching out to them to file a fraud alert, but I never ever asked them to put that alert on there, in fact, I spoke to them many times about incorrect information on my accounts but never about filing a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their error.

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 2017-08-03 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: NC

Complaint narrative:
An inquiry took place on my experian credit report on XXXX XXXX, 2017. I was never contacted with the results of this dispute in writing, email or via phone. I had to put a security freeze on my credit report due to the unauthorized inquiries that took place.

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 2017-08-03 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: AZ

Complaint narrative:
Hello I have written many request to experain to validate things on credit report. They are saying that validated these accounts but have no proven to me these accounts are mine. According to federal my accounts must be validated with proper documentation which experain has never given me.

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 2017-08-04 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 XXXX XXXX ACCT XXXX ... was placed on my report only about 3 months ago. The account is listed as an original creditor in collection yet the account includes judgment fees attached to an original amount close to 5000 dollars.Experian has investigated twice and the response is " remains '' .The falloff date and date of first delinquency is erroneous, an example of re-ageing.I have attached a letter from the creditor dated XX/XX/XXXX which clearly states that the date of first delinquency is on or around XX/XX/XXXX, the date of agreement to make monthly payments where only one payment was made, then defaulted on the rest of them.That would make the date of first delinquency about 6 years prior to today.I also had attempted to fax this proof to Experian 2 days after having started the second investigation.In a follow up call the faxed in evidence could not be found, it was assumed to be in a " pile to be worked on '' yet the investigation concluded remains and the date of investigation did not change with receipt of the evidence, so it 's unknown what happened to the fax.

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 2017-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used the Chase Bank Mobile app ( Quick Pay ) on XXXX/XXXX/XXXX to send funds ( {$100.00} ) to a friend. using her valid Phone No, name and email which had already been setup on my account before. so i then called her after sometime to confirm if she received the funds but she told me she has not. this came as a surprise to me as this system works instantly especially if its an inter-bank transfer ( within same bank ). i called her again after some time and she said she has n't received the funds yet. so we cross checked her details together and found out that the email i used was n't her default email on her account no more. she had changed this email. however, still owns this email and also this email is still listed on her account but not just as a default email. i then thought this funds will be reversed to my account but it was n't. i called the bank on different occasion they initially told me it went to someone else account and they will try and reverse it has this person had already withdraw-ed the funds and that i should be calling them to check. i kept on calling and they kept giving me different explanations. my issue with them is that how could this fund go to a different account as that account can not have the same email with my friend. they Bank told me its possible that the funds got credited to an account using same email with my friend i argued with them that this is can not be possible as no one can share same email address within the same domain. i just got off the phone with them now where they told me they can not reverse this funds or contact this person which whom the funds went to his/her account. i 've explained to them that their system is flawed. but they told me that they are not liable to and can not refund they funds or help me in no way. This is not how to treat a customer. these funds should n't have been credited to a different account in no way and under no circumstance. please help. thanks and regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: NC

Complaint narrative:
Please see attached copies of the - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of XX/XX/XXXX. Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX. I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have disputed three times with target and XXXX that target has a secondary account reporting to my XXXX credit report. I also recently sent out a 609 letter via certified mail. I only have one account with target. This account has a high utilization and is bring my credit score down. The amount on the account  is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Starting in XX/XX/XXXX, Ditech Mortgage, started to add {$160.00} to my mortgage payment of {$390.00} for a total of {$550.00}. They claimed I was not making my property tax payments. But, all along I had been making my payments to my XXXX County fiscal office, as I had always been. Ditech sent a payment of {$700.00} to my fiscal office which has since been refunded to them in XX/XX/XXXX. After over a year of trying to get this resolved by phone calls and sending in proof of payments, I am now in foreclosure and my credit has been damaged, and no closer to getting this resolved! I have made all of my mortgage payments and my property tax payments each month but they say I am {$2000.00} past due including late charges, and I 'm in foreclosure. I am trying to sell my house but can not put it on the market until this gets resolved. I want my credit repaired, any late charges removed and the account adjusted to show current. I have submitted supporting documents to you to show my proof of payments for my mortgage and property taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief