vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 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: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
have been trying to remove a {$14000.00} plus credit card from report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: NJ

Complaint narrative:
have been trying to remove a {$14000.00} plus credit card from report that is not mine

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 2018-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i have made 1 purchase thst over drafted my account so then I replenished it and made another purchase knowing my balance was positive. Later a withdrawal fee hits after I make another purchase wich I had anticipated to be exact change so thst threw off my calculations. Everytime I made a purchase I looked at my online statement thst it was positive. Later they hit me with about 5 over draft fees when every transaction I made was on a positive balance. Only when they charged an over draft fee did it change the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
i make my payments online at XXXX money card, i had went online and canceled the payment, till i talked to CHASE bank because our AC went out and it was 97 in our house, my son was having XXXX on XXXX XXXX XXXX and my wife that had XXXX 4 times was sick and the heat was to much, when i looked on debit card XXXX had sent the payment ,XXXX ONLINE PMT-CHASE BillPay - {$480.00} so i called CHASE and explained they said they understand they be no problem, so i get an email on the XXXX saying it be 7 seven days it Know the XXXX and no refund, this is the email from CHASE,,, Thank you for contacting us through our Secure Message Center. I certainly understand how needing a refund of your mortgage payment due to family emergencies can be overwhelming. My name is XXXX, and I appreciate the opportunity to assist you. 

After reviewing your account, I see that your refund was not sent by mail ; however, I can confirm that on XXXX XXXX XXXX, we returned {$480.00} to the bank that sent the payment. I sincerely apologize for this confusion. It may take up to 7 business days for this to show on this account. I can kindly suggest monitoring your account that you made your payment from to ensure your funds are returned.

If you do not see this refund in your account within 7 business days of the return date of XXXX XXXX XXXX, please feel free to contact us through our Secure Message Center or give us a call at any of the numbers listed below. We are available Monday through Friday from XXXX XXXX  to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX., Eastern Time. 

XXXX, if you require any further assistance, please let me know. I am only an email away and always here to help. 

Take care, and have a great day. 

Best regards, XXXX XXXX Chase XXXX XXXX TTY / Text Telephone, as it turns out they sent it the executive office, and she said wait till Monday and i already no they will be no transfer, from the XXXX till today it been 12 days, i fell like i discriminated against, because they just give me run around and they will be nothing done by CHASE, if customer support fails this bad and needs and executive to fix a simple solution, then something is not right, and i need help, this problem has cost me more than i ask for back from CHASE, JP Morgan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, Transunion and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX  balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,

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 2018-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that this is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, XXXX and Experian. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,

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 2018-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
After buying a house in Florida, and the loan sold to Freedom. I received a notice in XX/XX/XXXX that the real estate taxes that were supposed to be paid in XX/XX/XXXX weren't paid and the house was going to be put in for a tax sale in XX/XX/XXXX.

There were numerous very heated calls for them to rectify their mistake, and they said they would take it into consideration and would have an answer in 30 days. Well at that point the house would have been in the tax sale.

In order to save the house, I went and paid the tax bill, expecting and telling Freedom Mortgage that they had to reimburse me for the {$4000.00} that I laid out. Now its XX/XX/XXXX, and the account shows that they are only reimbursing me {$1700.00} stating that they escrow analysis which means I am out {$2200.00} that they kept because of their stupidity.

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 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called Navient about repayment options on my loans. I have two private loans, and it is difficult to pay the minimum monthly payments. When I called they advised me that they do not have repayment options available for me. Basically saying if you fall behind oh well, but these are your terms and we cant do anything for you. I need flexible payment options like extending the maturity date to lower the payments and a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: FL

Complaint narrative:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Total Card, Inc.
State: LA

Complaint narrative:
This debt has already been on my credit report for 7 years and removed by the creditor. This company claims to be a new owner of this debt and is offering me a deal to resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: AR

Complaint narrative:
Credit Systems International Keeps reporting erroneous information about me, though it has been proven that I dont and never have lived in XXXX XXXX. 
All three credit reports show a {$460.00} collection from " credit systems international '' I have NEVER had an account with them. 
Upon further investigation I find it is related to a " XXXX XXXX XXXX '' account, some type of electric utility company. 
For the past 20 years I have had only two Electric accounts ... XXXX in XXXX, which I still Have at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX 
both have always been in great standing and the highest bill I have ever had with either one has been about {$180.00} in a month. 
The Credit reporting agency refuses to fix this problem even though they did verify that I never lived in XXXXXXXX XXXX ... They were reporting that I had lived there based upon this Utility company saying I had. After verifying this info and removing the address in XXXX from my report, they still are accepting this info from Credit Systems International saying I owe for electricity in XXXX. 
I cant get any satisfaction from This Credit Systems company as they will not talk to me unless I give them my SS # ... I have nothing to do with them and I don't randomly give my SS # to any company that desires it. 
I would have been contacting these companies dealing with this, proving I never lived there ... before it even occurred if I had known, but XXXX XXXX XXXX, nor this Credit Systems international ever mailed anything to me at my address..XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mailing address XXXX  XXXX XXXXXXXX XXXX XXXXXXXX for the past almost 20 years..and a House I own in XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
I did receive some phone calls from a collection company which I now feel it was Credit Systems but before they would tell me what it was about, they wanted my SS # and birth date, I don't know about you but I had no dealings with them, therefore I wasn't giving my info. Those companies could have looked on the credit report that they received and used my address on the report, they are the ones who put the erroneous address on there some how. 
Why The credit reporting agencies accept addresses randomly like that is beyond my understanding, and then the consumer has to jump through hoops to get it off there. 
Please help me get this stuff off my credit record. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank is one of the ONLY credit card companies that does not play well with financial data aggregators like XXXX, XXXX, and other companies that help me aggregate my assets and liabilities to better mange them. 

I have this same problem with my Gap Visa that is also managed through Synchrony Bank. 

Hello, its XX/XX/2018!

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 2018-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Excessive debits and disputed amounts were processed by XXXX XXXX for XXXX XXXX XXXX leading to an overdraft condition on personal checking account. 
Subsequent automobile accident and XXXX XXXX outside of XXXX XXXX   Branch service area left account holder unable respond to XXXX XXXX demands directly, outside of electronic communications channels. ( ATM/Debit Card and Online Account Management ) Huntington Bank shut down all electronic account access, and secure electronic communication links between customer and bank within days of overdraft correction attempts. 
Bank refused to discuss account issues, or resumption of secure electronic communication for out of service area customer with customers authorized representative. 
Huntington Bank subsequently, unilaterally closed my checking account to detriment of customer 's credit rating, and refused all reasonable attempts to rectify the overdraft situation electronically from outside the Bank 's physical service area.

Company response to consumer: Closed with explanation