vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: FL

Complaint narrative:
I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " US DEPT OF ED / XXXX  '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.

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 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We were enrolled in the HAMP program and Mr. Cooper is the debt service. We were hit hard by Irma, evacuated and suffered damage to our roof, it's still there but is leaking and falling apart. We were dined by our insurance company, which is forced upon us and we can't get out of it due to previous storm damage but THAT's a whole other story, now since we took Mr. Coopers disaster help they are saying that we have been disqualified from the HAMP program due to late payments. They say the know full and well that we are NOT late but are saying we ARE because we took the 6 month forbearance program that was offered to us. In short they just pocketed the XXXX in principle deductions we were promised as a reward of timely payments, ya see what's going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
My first dispute Letter was Sent XX/XX/XXXX.

My second dispute letter was sent XX/XX/XXXX.

My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature.

XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed.

XXXX is now in violation of the FCRA and noncomplient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I have request Transunion and XXXX by phone / fax and letters to up date my personal information.

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX   deleted all all information which shows me that XXXX and TransUnion failed me as a Customer. TransUnion and XXXX has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.

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 2018-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am a XXXX XXXX and has been for the last 12 years, and I am currently in the process of filing for divorce, in XX/XX/XXXX I moved out from my previous address and I also opened a XXXX XXXX to have my mail forwarded. Last week I received a letter from a company called Navient stating I am late on my payment, I called the company to explain they have the wrong person I have never been to college nor applied for student loans. The rep then explained that I am the cosigner, for my wife. I never gave my soon to be exwife permission to use my social and to my surprise this occurred since XX/XX/XXXX, she never told me about this and it seems as she has been hiding the mail since then because I am always on the road more than I am at home. I asked her why she used my social for her student loan and she simply said after we got married she thought I would like to invest in her education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/XXXX- Portfolio Recovery filed lawsuit against me for {$1700.00} There were a few continuances and ultimately I had until XX/XX/XXXX to respond or risk default judgement.

On XX/XX/XXXX I made a settlement agreement by phone with PRS for the full amount but in payments. Imediate down payment of {$350.00} and monthly payments of {$230.00} until paid.

On XX/XX/XXXX PRS sent a letter memorializing the agreement and I was to sign and return which I did after speaking with them on XX/XX/XXXX to ensure that this meant there would be no Judgement filed. It was confirmed that once the agreement was received, it would be filed with the Court and we would not have to do anything else, including going to court. Nothing would happen unless we stopped paying.

On XX/XX/XXXX I received a Default Judgment Notice for {$1400.00}. I called PRS and they told me I never signed and returned the agreement. I told them I most certainly did. After putting me on hold they said it was because a payment was returned on XX/XX/XXXX and even though I called and cleared it right away and was assured my agreement was in tact, that triggered the judgement. There is no way, if they filed our settlement agreement like they said, that a return payment on a Monday would result in a hearing for judgment in 2 days on XX/XX/XXXX. XX/XX/XXXX was the hearing date all along that we were told we didn't need to provide answer for or attend due to signing the agreement that was to be filed. They got a default judgement against me for not showing up when I signed a settlement agreement that they were supposed to file. Unfortunately I failed to make a copy of the agreement somehow but I do have the letter from them indicating the agreement was attached to memorialize the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TX

Complaint narrative:
XXXX continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter XXXX Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion and XXXX are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with Transunion and XXXX? 

Thank You, 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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.

Complaint narrative:
I got a lot of unwanted calls marked as SCAM I got calls from numbers 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 monetary relief
Consumer complaint received 2018-06-27 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter 13 Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 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: FL

Complaint narrative:
On XX/XX/2018 someone called Chase bank and claimed that they had made an ATM deposit of {$950.00} in cash but it did not appear on their receipt. Which the bank has never told us where this alleged deposit occurred. Then on XX/XX/XXXX someone XXXX to an ATM in XXXX XXXX Florida across from The XXXX XXXX ( which my son has never been to ) and withdrew {$500.00} then a couple hours later went to the ATM across from The XXXX XXXX and withdrew {$440.00}. On XXXX XXXX, XXXX XXXX and XXXX XXXX went to the Chase bank On XXXX XXXX and made a formal complaint on the account the bank made a reversal of funds pending investigation. They asked XXXX to file a police report which he did report # XXXX and after no investigation they undid the reversal and Then on XX/XX/2018 they removed {$950.00} from XXXX XXXX 's saving account and closed they case. I then called the bank pleading that this was a mistake. They said they reopened the case but still will not provide the location of the first transaction, what phone number called in to make original complaint, and if they ever looked at the footage. My son did not give his card to anyone or does he ever remember it being out of his possession so the bank just assumes that my son is involved. Why would we file a police report? We even offered to sign an affidavit of our non-involvement in this thief but the bank got their money back so they will not help their client of more than 20 years. Whoever did this I am willing to prosecute to the fullest of the law and now the bank won't give me any information They are now Telling me I will have to get a subpoena and investigate my own case. Please Someone HELP ME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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:
XX/XX/XXXX someone called XXXX at XXXX ( XXXX XXXX ) and knew my pin number and account number. 
At XXXX my phone was deactivated and the number was hooked up to a pre-paid T-Mobile phone without my authorization. 
At XXXX I received an e-mail from Chase that my debit card was hooked up to my XXXX XXXX ( my credit card was hooked up at the time ). I immediately called, because I did not do this. 
I checked my bank account and saw the following charge : {$5400.00} Card Purchase With Pin XX/XX/XXXX Apple Store # XXXX XXXX XXXX XXXX NY Card XXXX XX/XX/XXXX around XXXX I called Chase bank to dispute the {$5400.00} charge and they told me to file a claim XX/XX/XXXX I went into XXXX and discovered what happened to my account XX/XX/XXXX -- I filed a police report XX/XX/XXXX -- I faxed over my claim to Chase bank XX/XX/XXXX -- I called Chase Bank and they told me I was denied. I was told Chase called my phone number and the person validated the XXXX XXXX purchase ( but my phone was shut off at XXXX that day ), so someone else validated the claim XX/XX/XXXX -- I got a hold of the executive office and I sent in the following : identity theft report on the Federal Trade Commission police report letter from my work verifying that I was at work in California on XX/XX/XXXX a detailed letter with any account numbers and phone numbers of people that have have proof that I was in California at the time of the purchase. 

Chase bank refused to look at any of my evidence and just told me no. I was told that I needed XXXX to write me a letter that stated I was in California on XX/XX/XXXX. However, my work and the police department can verify that I was in California on XX/XX/XXXX. XXXX will not write the letter,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and How were these accounts verified by virture of proper documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
During my 20 years of being tied into the XXXX frequent flier program and using their tortuous credit card, I am forever locked into this card because of the potential of losing miles and I can't transfer out to a more customer friendly company than XXXX XXXX without potentially losing my miles. Over the years this company is getting more and more zealous in frequently locking up my card for no reason, and today was the final straw leaving me stranded in the Texas summer heat at a gas station and refusing to unlock my account. I have been to the top of this company before and they work entirely off an antiquated fraud detection system. For example, if you make yearly purchases from the same company, since their fraud detection software goes back only 6 months, so that for whatever arbitrary reason ( the name of the company you are buying from sounds " foreign '' ) they lock out the card frequently without reason ( can't say, they tell me because after all it is their flimsy excuse for a secret powerful processor of insight and fortune-telling ). 

Also they have begun to demand recently that you give them a text number on file so they can communicate with you. I never signed up for providing CitiCard my phone account to use at their leisure and if they want me to receive texts from them, then by all means they should send me a pre-paid phone out of their own proceeds, not mine. 

Not once in the many, many holds they have put on my account, have they ever caught someone defrauding my account, so to me it seems they have an issue with their fraud tracking software and they need to " stay off my back for something I've NEVER done!

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and Experian are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with XXXX and Experian? 

Thank You, 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 2018-06-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I have request XXXX and Experian by phone / fax and letters to up date my personal information. 

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX deleted all all information which shows me that Experian and XXXX   failed me as a Customer. XXXX and Experian has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.

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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Service Bureau, Inc.
State: OK

Complaint narrative:
I am being contactedby the company to resolve a medical bill from XXXX. The bill is XXXX dollars. I told them I was unemployed and couldn't pay andthey said either borrow it from family or my credit report would be heavily damaged. This was in XX/XX/XXXX. 

I received another phone call today XXXX XXXX, and I told them I amnow self employed and just started a contract. They told me either pay the balance or they'll call my wife. I told them she doesn't work, and they said that i have to pay the full balance today, or my credit will be negatively reflected and I'll losemy business. I asked to speak to a manager to dispute the debt. I told them I've never received paperwork and I want a copy of the recorded call, they said I haveno right to it. They also said they don't have to follow the law andthey do not have to allow payments below the full amount. I offered to pay XXXX now, and they said either the full balance or iwill be sued. This is a very shady business and I feelmy rights under the fair debt collection practices act were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: IL

Complaint narrative:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018, My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

TransUnion Continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

TransUnion has not provided this consumer with the information of Who verified theese accounts and How these accounts were verified by virtue of proper documentation containing my sifnature binding me to these negative accounts. 

TransUnion is now in violation of the FCRA and continues to be in noncompliance.

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