vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2018 my Chase Credit Card ending in XXXX had 8 different fraudulent charges. I called Chase on XX/XX/2018 when I discovered the charges on my statement. Chase removed the charges at that time and did their own fraud investigation. I didn't hear anything back from Chase until XX/XX/XXXX when I received a letter saying that they thought 2 of the fraudulent charges to XXXX in the amounts of {$290.00} each were a benefit to me. The confusing thing to me was that I didn't see these charges coming back to my card. It wasn't until I received my XXXX statement that I saw that Chase had added the 2 {$290.00} charges from XX/XX/XXXX back onto my XXXX statement. I called XXXX again on XX/XX/XXXX to ask them what was going on and they told me the same thing that they told me when I first called them on XX/XX/XXXX and that was that they knew the {$290.00} charges were fraud when it first happened and they had already issued a charge back to my credit card. So at this point Chase has received a refund but I have not received a refund from Chase. I called Chase Fraud department on XX/XX/XXXX and told them what had happened. Chase said that they would look into it and get back to me within 5 days. After 10 days of not hearing back from them I called them again on XX/XX/XXXX. The Chase rep ( XXXX ) told me that the fraud department hadn't done anything and they needed more time. It has now been another 12 days and I have not heard back from them. It is my belief that they are not planning on doing anything further to help me. I have proof that these {$290.00} charges to XXXX are fraudulent and I told 2 Chase reps that all they had to do was call XXXX like I did and they would be told that it was Fraud and that Chase had already been issued a charge back. I would like the charge back to actually come back to me instead of just going to Chase Company profits at my expense. I would also like to be reimbursed for the 8 hours of time I have spent on the phone and on hold with Chase dealing with this. I have attached an email from XXXX stating that these charges are fraud along with copies of the invoices for the fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report. On XX/XX/2018, I received a letter stating that the account has been verified as accurate BUT did not send any verification documents proving the late payments were accurate. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

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 2019-01-02 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: CL Holdings LLC
State: TX

Complaint narrative:
I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX Vet. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( 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 2019-01-02 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: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, XXXX, Equifax. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: GA

Complaint narrative:
I contacted TransUnion and their customer service would not help and take care of the negative inquiries reporting to my credit report. I uploaded the affidavits from the FTC for the following. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union

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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Wire transfer sent on XX/XX/XXXX to Rushmore loan management in the amount of {$81000.00} .Rushmore says they did not get it. Even if its confirmed. They are holding over {$6000.00} of my money, between escrow and over payment. 
On XX/XX/XXXX received phone call from Rushmore saying I would pay late charges and could be put in foreclosed. Gave agent all information on wire no they did not get it. Called Rushmore today XX/XX/XXXX same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: VA

Complaint narrative:
TransUnion for the second time allowed my apartment complex to open up a New account under my frozen account. First occurrence, I disputed and has been fixed and now for the second time on XX/XX/2018. 
Apartment Rental agreement is with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I did not authorize them or any other company for that matter to open up a new account. This company is a residential, apartment rental company. I did not authorize any one to open up a new account. It's ridiculous to allow a residential company to open up a new account, as if they are a credit card company of some sort. I'll take a legal action against TransUnion and XXXX XXXX if this problem is not permanently fixed. New accounts impact credit score. I don't want my credit report to be ruined for something ridiculous as renting an apartment. I will utilize full force of our justice system to fight back. I will not allow this to stay in my credit report for 7 years. I look forward to your assistance in this matter. Thanks.

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 2019-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports Trans Union, XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

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 2019-01-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, Experian, XXXX. I am in the process of buying a home and I need access to my files asap.

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 2019-01-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I tried to update my current address with Experian and asked them to remove all others but was denie. 

Current and only valid Address XXXX XXXX XXXX XXXX XXXX KY 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 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loans occurred in XX/XX/1998. Once repayment was set up by Sallie Mae payments were made although sometimes sporatic, then year after year on renewal only forebearance was offered. Struggling to build a business in small town in XXXX was rather tedious. Payment books would come in one amount, then another book with different amount with no logical amounts and no options. Upon another renewal time, my Power of Attorney was contacted stating that an Income Driven Program ( IDP ) might help me and docs were sent to my POA via fax, completed, signed by me and returned via fax and mail. However after approval and payment of a lower amt was made, statements the following months were more money and again the following month higher payments. My POA has tried to resolve docs and payments, but nothing from Navient other than " must talk to you first ''. Past years the Servicer would send the docs to my POA 's office and by regular mail, but now Navient has refused to do so stating WE MUST TALK FIRST. My feeling is to go back to forebearance. They are also stating that my evidence of income was never sent which is false, and currently I am under a forebearance, but I have a statement/letter stating " I am currently on an IDP plan. Florida A.G. Atty Office was contacted to join in the lawsuits as other states have done but I think they have closed their file as no correspondence has been sent to me. Navient has not sent the A.G. docs as A.G. requested and I signed an authorization but Navient refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen mortgage company took over financing my house from GMAC. Immediately they claimed I hadn't enough insurance. Next they were taken my insurance payments from my mortgage but didn't pay the insurance that was due to XXXX. They claim they couldn't reach them. They allowed my insurance to lapse by not paying XXXX although they had collected the money with my mortgage payment. Next they were trying to strong arm me to accept another insurance company at a much higher rate. Once I found out they purposefully lapsed my insurance I inquired why they hadn't simply paid XXXX insurance. I had never paid XXXX directly since I bought the house. Now my insurance doubled from {$1400.00} a month to {$3200.00} a month. All because they just decided not to pay XXXX. Every month now I have to pay more. This company is totally aggressive in hurting homeowners. Can they be held responsible for causing my insurance to double? Plus they continue to make me pay over my contractual agreement month after month ... My principal had hardly decreased since they took over my mortgage. They are responsible for my insurance lapsing. Can they be held responsible? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I am currently serving in the XXXX XXXX XXXX, and was prior XXXX and XXXX XXXX XXXX totaling 15 year of service since XXXX. 
I enrolled in XXXX university for a XXXX XXXX in XXXX XXXX for three years XX/XX/XXXX-XX/XX/XXXX. 
During My attendance I was summoned to XX/XX/XXXX XXXX XXXX on temporary status which delayed my four year degre completion. 

I applied for student loan thru MOHELA after depleting my XX/XX/XXXX g.i. Bill, and I had one more class to finish. 
The school did not notify any of their students that they were shutting down as a result of accreditation loss and low student attendance. In fact, I found out thru the news in in the morning during my daily routine on XX/XX/XXXX. 

I informed the student loan lender. They wont be flexible to accepting very low payments despite my income hardship, and in the mean time Im waiting for student relief assistance program to help me discharge this loan which is a long term wait. 

The anomaly of this event that I never thought would happened to me as im Learning as I go in this process is that the student lender practices is unethical. 
The student remains unaware of the lenders security process to assure that the school is not going bankrupt, or if they are abiding by law and education standards state and nationwide. Thus endangering the students/customers economic well being as well as their credit. 
Hence, the customer has right to be informed of such potential risk if the school chooses not to inform the student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation