vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX IS currently reporting inaccurate information on my credit report. On XXXX XXXX   and Trans Union it shows reporting that my last date of payment was XX/XX/2016. 

XXXX XXXX also reports that I was late XX/XX//2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XXXX 2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XX/XX//2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/ 2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX/2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX//2016 Payment XXXX/XXXX/16 Due XX/XX/2016 Payment XXXX/XXXX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX//2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account

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 2019-02-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX  IS currently reporting inaccurate information on my credit report. On XXXX  Equifax and XXXX XXXX it shows reporting that my last date of payment was XX/XX//2016. 

XXXX XXXX also reports that I was late XX/XX/2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XX/XX/2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XXXX/2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX//2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX/2016 Payment XX/XX/16 Due XX/XX//2016 Payment XX/XX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX/2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: TX

Complaint narrative:
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.

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 2019-02-18 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: TX

Complaint narrative:
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.

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 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
Back in XX/XX/ 2018, I called XXXX that I wanted to surrender the vehicle but they said it has to be 72 days delinquent for them to reposes the vehicle. It has been four months now that it has been delinquent. I can't pay for the car and I just ask that it be picked up but they just keep offering me deals to lower the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXXXXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 

I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

There should be no past due on a closed and charged off account yet Experian lists a past due amount of {$2100.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account has not been purchased by another lender yet Experian lists that as a comment on this account. How is that accurate? 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Please DELETE this inaccurate account from my credit report and provide me with an updated credit report as quickly as possible. 
Thank you for your prompt attention to this matter.

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed bankruptcy on XXXX and did not include this card in the list of creditors since it is a secured card. I paid the entire balance last week to a XXXX balance thinking I could use it this week for gas and groceries. Unbeknownst to me, Citi closed the card after my payment went through. Citi now has my {$200.00} security deposit and my card is at a XXXX balance with funds that already posted to my checking account and has been taken from my balance. Im left with no money for this week and no warning. If I had known this would happen, I would have waited to make that payment since it was not due yet or I would have paid less so I would have money to live on this week. This is not fair. With a secured card such as this, they should not be able to close the account like that as its basically like you have a savings account because its guaranteed funds. I would never have imagined this would happen.

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 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello - I received a promotional offer in the mail form CHASE. Open a checking account, meet the promotional terms, get {$300.00}. Open a savings account, meet the promotional terms, get {$200.00}. Open both, meet the promotional terms of both, get {$600.00}. The promotional offer code is XXXX XXXX XXXX XXXX. I went through the motions of applying, only to be stopped by an error message stating that my address is a XXXX address, and therefore I can not open an account without going into a local CHASE branch. I don't live in XXXX ( I've never even been to XXXX ), and there are no CHASE branches in my local vicinity, so I tried calling CHASE customer service and unfortunately didn't get very far. I was told that since there are no CHASE branches by me, that I can't open an account ( which I'm fairly certain is incorrect - why send me the promotional offer and then advise me that I can't open an account? ). Therefore, I'm hoping that I can get someone experienced at CHASE who can assist me with opening these accounts via submitting a CFPB complaint. The offer states that I have until XX/XX/2019 to take advantage of the offer. I've attached a ppt with screenshots of the " wall '' I'm being met with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -CHASE CARD -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX CREDIT -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # 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 2019-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: IL

Complaint narrative:
I have been trying to get in touch Conduent ( who took over from ACS ) on my student loan. I can not reach anyone at Conduent thru any of the phone numbers listed on their website. When I enter my social security number on the Conduent website to try to get information on their website, Im advised that Conduent no longer service my loan, but Im not given anymore information.

Id like to know : 1 ) who is now servicing my loan 2 ) does my loan balance reflect the payments Ive been making to Conduent thru online banking? 

Please help 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 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I reported XXXX  that this account was not mine it was fraudulent account but it came back with results it belongs to me. XXXX XXXX XXXX with {$320.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said syncB national credit cards/airlines and Ive never applied for anything like for anything before. I called synchrony bank they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Called CitiCards on XX/XX//18 to request lower interest rate and consolidate all balances to the lower rate. Was approved and confirmed rate would be 13.49 % and ALL balances combined at that rate. 

In reviewing my XXXX statement, rate and balances were NOT reduced or combined as promised. 

Confirmed on XX/XX//18 by online Chat ( transcript available ) that account was " cured '' with rate and ALL balances combined at 13.49 %. 

After many documented Chat sessions and recorded voice calls, rate and consolidation was promised but never implemented. 

Also agreed that the difference in the interest rate, ~5 % and {$600.00}, would be credited back.

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 monetary relief
Consumer complaint received 2019-02-18 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: Lendmark Financial Services
State: AL

Complaint narrative:
The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MO

Complaint narrative:
We refinanced our home on XX/XX/XXXX, Home Point Financial bought our loan. We paid extra money towards the principal in order to remove PMI from our mortgage payment and never had a late payment. Now that our LTV is below 80 % I made several calls and sent an email to remove the PMI. The last call was to customer service on XX/XX/XXXX I explained why I was calling and what should be done to the PMI on my loan, she put me on hold to do some research and came back to tell me that it should be removed because it's less than 78 % LTV but could not tell me why it hasn't been removed. She told me she would call me back the next day with an answer but no phone call. 
I come across CFPB hoping you can help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said XXXX national credit cards/airlines and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening

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 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: OH

Complaint narrative:
So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature

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 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I had a fire claim and initially the full proceeds were told to me from Chase Branch to release funds within 5 days on two installments. 

Then that did not happen. Then I was told 70 percent had to be completed.

I had two inspections, one inspection 20 percent was done.

Second inspection 70 percent was done and still no release of funds so I can finish my job.

Still remaining funds have not been released. I am getting the runarounds and can not finish my job since I am the contractor.

Company response to consumer: Closed with explanation