vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have contacted paypal numerous times to try and remove this fraudulent inquiry on my XXXX report,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
THIS IS NOW MY SECOND COMPLAINT ABOUT THIS COMPANY AND THEIR ILLEGAL THREATS AND TACTICS, THIS COMPANY HAS CONTACTED ME AND THREATENED ME NUMEROUS TIMES OVER THE PHONE STATING THEY WERE GOING TO HAVE MY LICENSE SUSPENDED IF I DO NOT PAY THEM, ON NUMEROUS PHONE CALLS YOU WILL HEAR EMPLOYEES YELLING AND SCREAMING AT ME AND EMPLOYEES TELLING ME THAT THEY WOULD NOT BE TREATING ME WITH RESPECT BECAUSE I AM NOT THEIR CLIENT, I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS BUSINESS AND THE TACTICS CONTINUE I CONTACTED THE COMPANY STATING I AM REQUESTING THAT THEY SEND ME PROOF OF THE DEBT AND THE EMPLOYEE REFUSED TO PROVIDE ME VALID PROOF OF THE DEBT. THE EMPLOYEE STATED THEY ALREADY SENT IT AND I RECEIVED IT AND I HAVE NOT IN FACT RECEIVED ANY WRITTEN CORRESPONDENCE FROM THIS COMPANY, THIS IS NOW A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES AND IM DEMANDING THIS ACCOUNT BE CLOSED DUE TO NUMEROUS ILLEGAL VIOLATIONS IF THEY DO NOT CLOSE THE ACCOUNT OUT WITH A {$0.00} BALANCE I WILL PROCEED WITH LEGAL ACTION.

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian regarding accounts that were reporting wrong on my credit file and they did a investigation and returned with an answer that the items were included in a bankruptcy. Those accounts were updated as follows : XXXX/ XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX  included in bankruptcy XX/XX/XXXX, XXXX XXXX included in bankruptcy on XX/XX/XXXX. All of these dates are incorrect and reporting wrong on my account. I called on XX/XX/XXXX and the rep stated that this information has come back verified and there is nothing that they can do about. From the various dates I can see that this information is not correct. I also went to dispute a number of inquiries that showed on my account and was told that I can dispute inquiries and to contact each company separately. These inquiries do not belong to me and should be deleted. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX,   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I told them that only inquires made by me should be reporting on my account. They then put a fraud alert on my credit report on XX/XX/XXXX I asked that they remove that from account and they did stating that another bureau reported the information I called the other two bureaus and they stated there was no fraud alert. Experian did remove the fraud alert but have failed to remove these items that they are reporting incorrectly.

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of Equifax 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to Equifax to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. Equifax have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. Equifax will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.

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 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Data Corporation
State: TX

Complaint narrative:
I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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.

Complaint narrative:
Hello Im from XXXX and I had a problem with XXXX in the past because my father shares the same Name as me and when he declared bankruptcy his collection information was applied to my account. I resolved the dispute with XXXX XXXX. I recently applied for a XXXX XXXX credit card and was denied because they report to TransUnionXXXX and that particular company reported to XXXX that I had a collections item still on my account. I spoke to TransUnion and they said that they would file a dispute form about the innacuracy on my credit file. I know that its going to come back and they will deny it because I dont have any information right now to back my claim up. When I delt with XXXX 4 months ago I filed the dispute form and sent XXXX documents that had very sensitive information regarding me and my parents bankruptcy information and these companies should communicate with each other and update information accordingly. This is a broken system and I now have an extra inquiry into my file for no reason. If I would of known I had a collections item at one of the. 2 credit bureaus I would of never applied for a credit card.

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 2018-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've contacted Equifax, XXXX, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted Equifax, XXXX, XXXX & All Creditors onXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Off Lease Only XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: KY

Complaint narrative:
Equifax refuses to follow through with a dispute regarding a XXXX year old account that has n't had any new reporting on since XX/XX/XXXX. When I told them that even the Equifax website says regarding Fair Credit Reporting that " Negative accounts that are 7yrs old ( or bankruptcies older than 10yrs old ) are to be removed. '' Equifax argued with me that the 7yrs begins with the 1st negative remark. No where does it say that, it says when the account reaches 7yrs old. In XXXX I asked for the account to be removed citing the same rule, and it was. However, when the company reporting the account updated the reporting 2 months later it was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: AL

Complaint narrative:
I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

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