vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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: AL

Complaint narrative:
I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, TransUnion and XXXX and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX  Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-06-11 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: AL

Complaint narrative:
I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, XXXX and Equifax and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
My student loan originally started with XXXX. They transferred my loan to Navient I was contacted by Navient They stated that I was behind on my loan. After having my XXXX  audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, Navient my XXXX and myself. XXXX forwarded the missing funds to Navient ( see the attached letter ) dated XX/XX/2019. Navient has reported to all three Credit bureaus XXXX, XXXX and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with Navient at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time Navients response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 I submitted a support ticket to www.Coinbase.com stating that I had some suspicious activity on my email account associated with my Coinbase account, and a failed attempt to log into my Coinbase.com account. I however looked over my account and everything was fine, there was no breach of my account as I had all the extra security measure set up including 2 factor authentication. I explained this in the support ticket that I just wanted to change my email address as an extra step of security. I specifically said there is no need to freeze my account as no one except for me ( the account owner ) gained access to it. They immediately froze my account asked me to fill out a few questions and that they would investigate. 
I filled out the form via email and waited. That was on XX/XX/2019. Since then I have not gotten a single response back from the company. I have call there support phone line over 15 times since then asking what is going on? They have no answer and can not give me any more information at this time but tells me they " properly escalated the ticket and should provide me with an update shortly '' They keep saying it is being " Investigated '' but there is nothing to investigate I already know the no " bad actors '' gained access to my account looking at my log in settings and all I wanted to do was change my email address. Also I would like to add that I have went through this same support ticket situation with 4 other exchanges ( XXXX, XXXX XXXX and XXXX  ) all of which solved my issue and reinstated my accounts in 4 days or less. 

How is it so hard to verify an identity and reenable an account/ This has gone on unresolved with no resolution or even an attempt at a resolution. I have what I consider to be a substantial sum of money in that account that I want access back to, at this point to just get my funds and close the account because I will no longer fund this company with my business. 

I fully intend to file a small claims lawsuit against the company if this is not resolved in the next 2 weeks aka 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I attempted to purchase baseball tickets from an ad on XXXX. I called the person who I was transacting with to get a sense of them and to insure it was a real phone number. The person seemed fine, and suggested we use XXXX and the XXXX app. I paid him {$70.00} through the XXXX transfer action on my Chase phone app, and he never sent over the tickets and stopped responding to texts/calls. I then reported the incident to the XXXX Police fraud unit, and called Chase. Chase said that there was no reimbursement option because XXXX is a third-party partner, and that they are not responsible for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: GA

Complaint narrative:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX - Account # XXXX Opened XX/XX/XXXX Balance : $ XXXX/// XXXX XXXX XXXX - Account XXXX XXXX Opened XXXX XXXX, XXXX Balance $ XXXX/// XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX Balance $ XXXX///XXXX XXXX XXXX - Account # XXXX Opened : XX/XX/XXXX Balance : {$900.00}. 
Inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/2019, PennyMac Corp, was served with a copy to our qualified written request under RESPA. Pursuant to the Section 6 of the Real Estate Settlement Act, a servicer must acknowledge receipt to the request within 5 business days. As of today XX/XX/2019, PennyMac Corp has yet to acknowledge our request and therefore are in violation of RESPA. We are requesting the following questions under the Real Estate Settlement Procedures Act 1. Is XXXX XXXX an employee of PennyMac Corp? If yes, when did her employment started and ended? 
2. Is XXXX XXXX a representative of XXXX XXXX? 
3. Is XXXX  XXXX authorize by XXXX XXXX to endorsed notes on behalf Penny Mac Corp? 
4. Is XXXX employed by PennyMac Corp or XXXX? Does she have power of attorney or corporate resolution reflecting her capacity as an endorser for either PennyMac Or XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
Contacted the credit bureau. Was told they verify accounts by sending to dispute the lenders. I informed them about the 609 credit law and was told sorry sir I would have to dispute with the lender. Sent countless letters and documents and contacted each lender but lende doesnt have complete verifacation of the issue accounts in question are below Idenity theft accounts XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX Fraudulent Charge accounts XXXX XXXX XXXX XXXX These accounts have been placed on my accounts with out proper verification of debt because as told by supervisors they verify with lenders electronically because they have more disputes than workers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: CA

Complaint narrative:
XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 )  years I have written XXXX, TransUnion and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XX/XX/XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XX/XX/XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to XXXX, TransUnion and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.

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 2019-06-11 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: CA

Complaint narrative:
XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written XXXX, XXXX  and Experian, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX  ). 

I have sent four ( 4 ) requests to XXXX, XXXX  and Experian to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.

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 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BTH Management
State: CA

Complaint narrative:
I GOT A MESSAGE FROM MY PREVIOUS EMPLOYER SAYNG A THE NUMBER XXXX LEFT A MESSAGE FOR ME. 

I CALLED THEM BACK AND ALL IT SAID WAS THE PERSON AT THIS EXT IS NOT AVAILABLE AND I COULD NOT LEAVE A MESSAGE. 

A FEW MOMENTS AGO I GET THE SAME NUMBER CALL ME AND I LEAVE MY DESK TO ANSWER THE CALL. 

SHE SAYS SHE IS FROM XXXX XXXX XXXX AND HER NAME IS XXXX XXXX. I VERIFIED MY LAST 4 BUT DID NO VERIFY MY DOB UNTIL SHE TOLD ME WHAT THE NATURE OF THE CALL WAS. SHE THREATENED ME SAYING THERE WAS PENDING LEGAL ACTION IN HER OFFICE AGAINST ME. 

SHE THEN PROCEEDED TO TELL ME THAT XXXX XXXX WAS TAKING ME TO COURT TO GARNISH MY WAGES AND THEY WERE THERE TO TRY AND HELP WITH A PAYMENT PLAN. 

SHE SAID THE BALANCE WAS OVER {$4800.00} AND I SAID THAT WAS INCORRECT. SHE MENTION THAT WITH THE FEES THAT IS THE AMOUNT. SHE SAID THEY WOULD OVER A SETTLEMENT FOR A LITTLE OVER {$3000.00} AND i SAID I WOULD BE INTERESTED IN THAT BUT WHAT WERE THE PAYMENTS AND THE PAYOFF SCHEDULE. 

TOLD HER I COULD NOT PAY ANYTHING RIGHT NOW AND SHE SAID WHAT ABOUT BY THE END OF THE MONTH. I MENTION I JSUT STARTED BACK WORKING FULL TIME AND I COULD ONLY DO ABOUT {$50.00} END OF THE MONTH. SHE SAID THEY WOULD NOT ACCEPT THAT BUT SHE COULD CONTACT XXXX XXXX TO SEE WHAT THEY WOULD EXCEPT. 

I TOLD HER I NEEDED TO CALL THEM BACK BECAUSE I COULDNT NOT CONTINUE TO BE ON BREAK THIS LONG ( ALREADY 6+ MINUTES ) AND SHE SAID-WELL I WILL TELL THEM TO PROCEED WITH THE JUDGMENT. 

I TOLD HER OKAY. 

THROUGHOUT THE CALL I MENTIONED TO HER NOT TO CALL MY OLD EMPLOYER OR ANY REFERENCES AND SHE CLAIMED NO ONE HAD AND I KNOW THEY DID. I TOLD HER ONLY CONTACT ME ON MY NUMBER WHICH I VERIFIED OR EMAIL ME. I ALSO ASKED FOR A COPY OF THE STATEMENT AND SHE CLAIMED THEY HAD BEEN SENDING ME NOTICES. I HAVE RECEIVED EMAILS BUT NOTHING IN THE MAIL. SHE SAID IT WAS THEIR WORD AGAINST MINE. 

I TOLD HER I WOULD NOT GIVE MY EMPLOYER INFO AND SHE SAID THAT IS FINE BECAUSE WE ALREADY HAVE IT. I TOLD HER AGAIN TO NOT CONTACT MY EMPLOYER PAST OR CURRENT.

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 2019-06-11 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: CA

Complaint narrative:
I had a charge off account with XXXX XXXX. On XX/XX/2019, I paid the last installment to finish paying the account in full. The balance owed is at {$0.00}. The XX/XX/2019 status stated that the account is still derogatory and charged off. The derogatory remark should be removed and the account status should state paid in full.

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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
XXXX- # XXXX called at XXXX XXXX. There is a computerized voice asking for me by name. I have the option to press 1 if this is me. We have repeatedly followed the steps to have our number removed to no avail. They have been calling for months. Today I pressed 1, the computerized voice stated You can reach ICS at the following number:XXXX. 
I did not call the number. I XXXX it and there were several people stating this number was pretending to be a collection agency for medical debt, which I have none. 
Called on XX/XX/04 @ XXXX XXXX I can not go back further as our caller is full. 
I have received zero written communication from said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
Supreme lending XXXX # XXXX XX/XX/2019 credit check was ran XX/XX/2019 come back with loan scenarios XX/XX/2019 sends loan scenarios again not loan estimate XX/XX/2019 sent a email for loan estimate again and shows server not active. 

They kept give me the run around on getting a loan estimate, kept sending me information that didnt have the right amounts or interest rates that were discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I co-sign for a friend and due to him being late my credit going down and down I didnt agree to this at all how can this be fix? 

CHRYSLER CAPITAL Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
On XX/XX/2019 ( Tuesday ) I called TransUnion three times requesting updates on a method of verification letter sent to the CRA. It was verified three times by the supervisors ( XXXX ) and other representatives that the letter was received dated on XX/XX/2019. The letter stated Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that I may request a Method of Verification. A CRA shall provide to a consumer a description no later than 15 days after receiving a request. XX/XX/2019 will mark 15 days. As I was misinformed by a representative that it will take 30 days and she mistakenly said it was not in dispute or in re-investigation, after verifying that TransUnion received the letter, I immediately requested for the supervisors. Once I expressed my concerns with each supervisors and stated that I also submitted the letter to CFPB, they hung up on me three times. I requested to speak with the special handling department and they continue to refuse my refuse my request until the last I called. I spoke with XXXX in the Special Handling Department and again He verified that they did indeed receive my method of verification letter dated XX/XX/2019. I also explained that XX/XX/2019 is the last day to send my request and if they can NOT by law they have permanently delete the XXXX XXXX XXXX  account. And I expressed to XXXX that my letter was submitted to CFBP. Again, I was hung up on.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I have previously sent in a complaint against this company for this exact reason. I also spoke with someone in the corporate department, and she assured me this would be handled. I told her I was to not be contacted unless I ran a month behind. It is the XXXX of XXXX, this company called my cell phone first as to which I couldn't answer because I am at work. They then proceeded to call my work phone AFTER I asked them to put a " DNC '' Do Not Call on the account. I mail my payments in, and I have mailed them a check for last month and a check for this one as well. It is XX/XX/XXXX, my payment due date is the XXXX of every month. XXXX also speaks with a condescending tone and regularly cuts me off when asking questions. Again, these people have the title to my vehicle. I will always pay it, I was waiting for my new bank to send me checks. If these people call me again, I will pursue a lawyer. Especially when I am not even a month past due. XXXX is the person who keeps calling me. I also, told her for the second time, do not call me at work. I am done playing with this company. This is the last time before I take further action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Hi! 

A friend of mine borrowed {$100.00} from me last month. He asked me for my account number to make a deposit so I gave to him ... .this morning Tuesday, XX/XX/2019 he told me he made the deposit and he text me the receipt with my account balance. I would like to know why my bank Huntington Bank disclosed my information with him which he is not an authorized person. Im very mad, frustrated if I knew this I would never gave him or anyone my account # or my information. Where are my rights? Thank you.

Company response to consumer: Closed with monetary relief