vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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: I.C. System, Inc.
State: CO

Complaint narrative:
I switched phone providers earlier this year. I returned the leased phone I had with them. I also paid the final amount of my bill. All done at the XXXX store, or over the phone with a XXXX rep. However, when submitting a mortgage application I was notified that XXXX sent my account to collections. I call XXXX, and I keep getting the same response. Your account is in good standing. Your account has a zero balance. And that my account was not in collection. I try to contact a supervisor on the phone, and that seems to be impossible. I contact the collection agency, and they tell me that the debt is now at a XXXX balance because XXXX notified them of the bill being paid in full. They refuse to delete the item from my credit report now.

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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
DiTech is the subordinate lender to a home that foreclosed and sold at auction in XX/XX/2018. The first lender charged off the debt shortly after the auction but DiTech has been dragging its feet in closing out this account/charging it off. I've made numerous calls and was once told that the charge off had been approved and was going through the routing process. Now in more recent calls, no one can tell me what is going on with my account. DiTech is dragging its feet! I haven't owned this home for nearly 1.5 years. My last payment to DiTech was nearly 4 years ago. They need to dispense with my account immediately. DiTech is a horrible company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
Mr. XXXX XXXX, CEO Specialized Loan Servicing XXXX XXXX XXXX. 
XXXX XXXX, CO. XXXX XX/XX/2019 Dear Mr. XXXX : An SLS employee who took my phone payment, inadvertently entered the wrong amount. Instead of her entering my regular monthly payment of {$2800.00}, which I made clear to her that I wanted to pay, she entered the amount of {$2000.00}. I made my payment on Friday XX/XX/XXXX, but did not learn of the mistake until I checked my bank record on Monday XX/XX/XXXX. I saw where SLS made an error and I immediately called to make sure I had my payment in before it was over 30 days late and reported to the credit agencies. To my dismay, I was informed by another SLS employee that the amount that was short ( the {$800.00} mistake made by the SLS employee on Friday ) would be reported over 30 days past due. 

I can not afford to have my credit score impacted by this error made by SLS. My wife and I are involved in a number of financial negotiations right now and need our credit scores left intact.

My hope is that SLS find a way to address the issue and not have your employee mistake ruin my credit score, especially at this time. Can you assure me that you will rectify this error expeditiously? 

Please keep me informed on your course of action. 

Sincerely, cc XXXX XXXX, SLS Customer Care Manager ; 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 explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Due to the Oklahoma Flooding and Tornado Disaster we were forced to move. We moved out of state due to prospectively gaining employment at a hospital. We were approved for a payment arrangement on XX/XX/2019 and filled out complete for both auto loans, and mailed on XX/XX/2019. 10 days later only one auto loans was processed for the extension, the other was never processed to date. Capitol One states that they never received the second extension signature page. I find this odd because both sheets of paper were mailed in the same envelope and one auto loan was in fact processed. They have now denied me an extension due to not replying and completing the sign form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By XXXX.Please see attached.

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 2019-07-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
One year after I turned my XXXX leased car into XXXX and bought a new car from XXXX, I received a letter from a collection agency saying I owed {$590.00} to JPMorgan Chase Bank. I have never not paid a bill on time. XXXX XXXX told me they were taking care of everything I owed on the XXXX lease. I left the car there paid for the new car and everything was fine until one Year later when I received letter from XXXX XXXX XXXX XXXX N J. I called and was told I owed this money from the leased XXXX. I was never called or received anything in the mail. I called XXXX and they said they had my previous address and phone number, so I never heard from them. I called XXXX and they said that it was not their responsibility even though they told me they would pay everything I still owed. I never received any bill in one year. I had a stellar credit report and this significantly lowered my score. I paid the bill the same day I received the letter and feel this was unfair. If the collection agency was able to get my new information, why couldnt JP Morgan Chase? I also have a few credit cards with them, so they have my social security number and I have never been late.My XXXX was bought in XX/XX/XXXX. My lease from XXXX was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Innovis
State: MT

Complaint narrative:
This is a copy of the letter I sent to " Innovis XXXX XXXX '' Innovis XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me  written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Innovis '' never responded or complied with my request. I will send them the letter again via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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  XXXX  XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm trying to dispute a few purchases on my credit card that I never made. The transactions are from a recent trip to Puerto Rico, so I'm sure I'm not the first American citizen to be a victim of this fraud. I already called Chase Bank and spoke with three different representatives, but none of them have been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: U.S. BANCORP
State: WA

Complaint narrative:
A credit card account I had with XXXX XXXX XXXX XXXX was sold without my knowledge to Elan financial services. I was on an automatic pay plan with XXXX XXXX and when I was not made aware of the ownership change the account went 30 days past due because the automatic payment arrangement did not persist with the new account transferred to Elan. Additionally during the period of the transfer of ownership I had a new job and was relocating so XXXX XXXX did not have updated address information that I could not provide until I found a new residence. As a result I did not receive any communication from XXXX XXXX or Elan about the change. I opened a dispute with the major credit bureaus. I want the 30 days past due removed from my credit 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 non-monetary relief
Consumer complaint received 2019-07-05 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: LEXISNEXIS
State: MT

Complaint narrative:
This is a copy of a letter I sent to " LEXISNEXIS '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send the same letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been in the process of completing my financial responsibilities by requesting validation of debts in my name. I sent a formal request for validation and to receive communication in writing only to PORTFOLIO RECOVERY ASSOCIATES in a certified letter on XX/XX/19. According to the tracking number, the letter was delivered in XX/XX/19. I then received a phone call from their automatic dialer on XX/XX/19. I sent another certified letter to PRA 's CHIEF COMPLIANCE OFFICER- XXXX XXXX restating my request for communication in writing only and declaring my rights consumer on XX/XX/19, and according to that tracking number, letter was delivered on XX/XX/19. I then received another phone call from their dialer in ( XXXX ) XX/XX/19. I continue to receive harassing calls from their ( XXXX ) ( XXXX ) dialer to this day, the most recent on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: OH

Complaint narrative:
Found these accounts and inquiries on my credit report : 1 ) XXXX  : {$1900.00} opened XX/XX/XXXX 2 ) XXXX  XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX  XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX 's XXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX  XXXX/XXXX  XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX  XXXX  XXXX/XXXX  : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX  : opened XX/XX/XXXX 2 ) XXXX XXXX  : opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed an unauthorized charge ( {$46.00} ) against XXXX XXXX XXXX hotel - which CHASE canceled my card for, making it difficult to travel for work, until the new card arrived. 
The debit card operation department reversed the unauthorized charge. 
Somehow the debit card reversal WAS ALSO RE-REVERSED!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Factortruct, Inc is on my credit report I don't know what this is I never apply for anything at this company. Factortruct, Inc on my credit report can you please remove them. Starting with date XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is effecting my score they are hard hit item that I have no knowledge of. please can you remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Clarity Services
State: MT

Complaint narrative:
This is a copy of the letter I sent to " Clarity Services '' Clarity Services, Inc. 
XXXX. XXXX XXXX XXXX, FL XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Clarity Services '' never responded or complied with my request. I will send them the letter again via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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 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 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 . I have reached out to FTC and my local police department and I am doing this on my own behalf.

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