vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I keep getting calls from various credit card reduction companies which actually end up taking 33 % of the payments sent in to them to be applied to a person 's credit card balance. Before being XXXX, I worked in XXXX and so understood these are not non-profit companies and have refused the services of all of them. It is difficult to remember the names of all of them and they also use different phone numbers when calling because I do have " caller I.D . '' Quicken Loans is the company that calls the most often and whom I have emphatically requested they do n't call me again. I have some high credit card balances ( 2 ) and I have already made arrangements with the one with the highest balance because I want them to eventually get all the principal owed to them. I tell the companies I have already made arrangements and not to call me again but they call several times a week. According to Lending Regulations, a lender is not to call before XXXX XXXX or after XXXX XXXX and not more than once a week unless it is a direct mutually agreed upon second call but these places do not abide by these regulations. One of the places was a power company I specifically said NO to and I was already on an energy assistance program I had waited in a que to receive. They not only changed my supplier to them but it automatically knocked me off the long awaited " XXXX XXXX '' electric program which is a wonderful, non-government program. I worked very hard when I was able to work and my health has deteriorated drastically. I am on XXXX XXXX XXXX and can not take the stress of these calls and how pushy the people are. Many of the calls are company from XXXX and XXXX. Please help me to stop these calls and calls asking for donations ( like the XXXX ) because I simply do not have the extra money for these political and charitable entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting 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 2017-12-07 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting 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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 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: VA

Complaint narrative:
I have credit inquiries on my credit report that I did not authorize or I did not apply for anything, I am a XXXX woman who have a live in nurse that have probably tried to get things in my name I dont think it is fair for them to remain on my credit file for something I did not apply for or authorized for my credit file to be reviewed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
My Social Security card was activated and charges were put on the card before I could cancel the card by XXXX am on the second Wednesday of XXXX my check was gone except a few dollars. 
The charges were made at XXXX XXXX the store stated debit XXXX would have to contact them are the police department no one ever checked from the XXXX XXXX ever checked are followed up. They have said they would contact me I never receive the letters but they never send out letters and they have not put the money back. They have never contacted the store for videos. Then the last time I called they stated the claim was closed. I am going to call everyone because they did not try to investigate the theft of my Social Security Check from debit XXXX. XXXX XXXX, SS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: VA

Complaint narrative:
I have inquiries that I dont recognize, Or that I did not apply for please remove these from my credit file for they was not authorized thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: DISCOVER BANK
State: FL

Complaint narrative:
On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a inquiry on my credit file that I dont recognize, I did not apply for anything nor authorize for my credit file to be reviewed would this removed from my credit report please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a address XXXX XXXX XXXX thats reported on my credit report that I never lived at that address is on there as a previous address, I will like that to be deleted from my credit report due to a address I was never associated with 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 non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 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: VA

Complaint narrative:
I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person

Company response to consumer: Closed with explanation