vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/19, I was on the united.com site to book a flight. There was a pop-up banner to apply for a United Explorer credit card from Chase Bank to receive XXXX bonus miles ( after {$2000.00} spent on the card in three months ) and a {$250.00} statement credit after my first purchase. There was even a box calculating my flight cost less the {$250.00} for my total cost. I was skeptical but decided to apply. I clicked the box, completed the application, and was approved for a {$24000.00} credit line in just a few minutes. I then booked my flight using my new United Explorer credit card number. I received my credit card in the mail and called to confirm the receipt on XX/XX/19. While on the line, I asked a customer service representative to confirm my {$250.00} statement credit. She told me that I instead received XXXX miles that could only be earned with thousands of dollars of purchases in the first three months and the first six months. I spoke with her manager, XXXX, in the XXXX office. She told me that they could not correct or switch me to the offer I applied for. Later that same evening, I was on the united.com site to research a flight for my son and the same XXXX miles and {$250.00} statement credit is still in the pop-up banner. I called customer service again and spoke with XXXX in the XXXX office. She agreed that the situation was not fair to me but after checking with her manager, confirmed that they could not correct or switch to the offer I applied for. I believe this is a bait and switch, and that Chase Bank never intended to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: PA

Complaint narrative:
I had a previous complaint against Statebridge Company LLC case # XXXX XXXX which they admitted fault and sent an email saying they contacted and corrected the reporting and asked to remove all negative reporting because the loan was current, So I tried again to refi and they only removed the XX/XX/XXXX Lateness, They left the XX/XX/XXXX Lateness on and ADDED a XX/XX/XXXX120+ day lateness to my report, Their faulty and sloppy reporting is costing me money as interest rates are going higher by the day, I've started this Process in XX/XX/XXXX its now Almost XX/XX/XXXX ... .. everytime I contact Statebridge they tell me I have a 5 Business day to get a response, This is so Unfair to me and unprofessional of Statebridge, They don't even deserve to have a banking license!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX  kept reversing my payments. The Creditor " XXXX XXXX is giving me a hard time, i  am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

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 2019-04-24 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:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card XXXX : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX kept reversing my payments. The Creditor " XXXX XXXX  is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90 - 120 days past due on the DEPTEDXXXX and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 -  120 days past due on the XXXX and XXXX XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I received the results of my investigation from Equifax under confirmation number XXXX. On page 4 of the 42 page report underneath THE RESULTS OF OUR INVESTIGATION, it states that the disputed address of XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been deleted. It also states that the inquiry for XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX has been deleted. However, these items are still being reported on my credit profile and underneath my social security number with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I have contacted Experian, XXXX, XXXX  and XXXX about the fraudulent accounts placed on my credit file and they have done nothing about it. I have submitted a police report to all credit bureaus as instructed and they will not remove the fraudulent accounts.

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 2019-04-24 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 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: IL

Complaint narrative:
I send a request to have the fraud alert removed from all 2 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Due to the negligence and error on the companies part in whole my credit was hit and points reduced ( again ) along with them giving me false and inadequate answers as to what the issue may have been  and while I do what they asked to adjust and reapply they again change their points, misrepresent the issue and force me to reapply to hit my credit again. This is latent negligence and mishandling. 

I did everything in my part to help but they decided unprofessional was their best approach to get me off the phone. Their not the first nor the last company handling things as such. 

Still awaiting responses from their executive level as was promised to resolve the issue. 

We will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX****. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint is against Capital One Auto Financing and my auto loan through. I purchased a XXXX XXXX XXXX two years which they financed and have struggled with the loan payments after six months. Initially the vehicle was vandalized through unauthorized use causing extensive damage to the undercarriage breaking both control arms, bending a rim and ruining a tire. The repairs exceeded {$3000.00}. A police report was filed, but no charges were ever filed. As part of my contract with Capital One I have to maintain the vehicle and am responsible for any and all repairs. I immediately notified them of the damage and forwarded a copy of the police report. The did not offer any leniency despite being made aware that the cost of the repairs would hinder my ability to repay the loan. Six months later I was involved in an accident in a company vehicle which left me bed-ridden and unemployed for two months. Once again, I notified the bank that I would not be able to make my payments on time. Once again, when I asked for a deferment on the loan, it was denied. Recently, and partially because I was desperate for work, I fell prey to a labor scam which left me once again behind on loan payments. Now the bank is threatening repossession, they've worsened my financial situation by reporting negatively to the credit bureaus, they've buried me in interest and late fees, and still can not offer a solution. They are attempting to profit from a victim and this is the epitome of predatory lending. The vehicle is no longer worth anywhere near it's original loan value and I'm still responsible for the principle loan amount. I should not be paying excessive interest and fees on a criminal act nor should the bank be able to profit from it. They've also violated my privacy by disclosing negative information regarding the loan, including status, payoff, and balance without my consent.

Company response to consumer: Closed with explanation