vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
What I said in my complaint ...        To whom it may concern, I mailed a Multiple Inquiry Removal Letter  on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the   end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: LA

Complaint narrative:
XX/XX/XXXX - I submitted a dispute in regards to inaccurate reporting a charge off by  XXXX  in the amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XX/XX/XXXX - Disputed this account with Transunion and   XXXX     XX/XX/XXXX - Received an account summary from   XXXX   for dates  XX/XX/XXXX  thru  XX/XX/XXXX   XX/XX/XXXX -I received  XXXX  investigation results showing account updated  XX/XX/XXXX - I received Transunion investigation results showing that the account was updated  XX/XX/XXXX - I sent another letter  XXXX , Transunion and   XXXX   asking that they send me provide me with viable proof that this debt was mine  XX/XX/XXXX -Recieved the same exact letter from them with the account summary from  XXXX  XX/XX/XXXX - Received letter from Transunion stated the account was still being verified as correct and no validation or proof was sent that this debt belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have already submitted complaints with  XXXX , Experian, and   XXXX    regarding this issue.     All three credit bureaus list a Chapter  XXXX  bankruptcy that belongs to someone else named  XXXX   XXXX  who currently resides in  XXXX , GA. If you go to ' XXXX  ' and search for '  XXXX    XXXX   XXXX   XXXX  the state of Georgia,  you  will find who I am talking about.     I am not that individual. I am sick and tired of the credit bureaus coming back with 'this information is accurate. ' Courthouses, as I am told, do NOT furnish information to credit bureaus OR public record companies (  XXXX ,  XXXX ,   XXXX   ), so I have no idea how or why these bureaus have been citing that my social security number is attached to these reports, when upon requesting the reports myself, I see NO evidence of any Chapter  XXXX  bankruptcy.     You  may  have me mistaken for someone else. I briefly worked for a company that was headquartered in  XXXX , GA. However, it was a telecommute from an ad I found on  XXXX . The company may have listed me as a GA resident even though I never had any physical residence there. I have worked for many companies being in the videography business, but never again across state lines as a salaried employee. The risk is too great.     And so now you face a choice. Either delete this bankruptcy from MY record and assign it to the CORRECT individual, or I will be forced to pursue further legal action against you in violation of the FCRA. You have no right to report inaccurate information and then legally stand behind this false information claiming that this person is me when I KNOW FOR FACT that it is NOT. I have already hired attorneys to look into this issue, but it would be a lot quicker and a lot less painful if you were to delete this bankruptcy yourselves.     I now consider this matter closed. Any further communication between the credit bureaus and myself will have to take place in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: MS

Complaint narrative:
I disputed the information with  XXXX ,  XXXX , and  XXXX  that the information is not matching up that Kay 's Jewelers is reporting on   XXXX   XXXX   and  XXXX   XXXX   XXXX   XXXX   The information came back verified with All  XXXX  bureaus both times. They all stated I have to contact original creditor, Kay Jewelers. On   XXXX   XXXX   XXXX   Kay received my letter  XXXX . They have not responded to my letter/request or acknowledged receipt of my letter. They are not in compliance with the provisions of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  REPORT ;  XXXX   XXXX   XXXX    XX/XX/XXXX .    1. XXXX - PARTIAL ACCOUNT  XXXX  CARD #  XXXX    XXXX   SHOWS  XXXX  {$4800.00} ALSO REPORT SHOWING ND FOR   XXXX   XXXX     XX/XX/XXXX .     2.   CITI VISA-  PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX   ACCOUNT CLOSED AT GRANTORS REQUEST. ACCOUNT CHARGED OFF {$5500.00} WRITTEN OFF  XXXX  PAST DUE {$1200.00} AS OF   XX/XX/XXXX .    XXXX   REPORT   XX/XX/XXXX   SHOWS   XX/XX/XXXX    AB { $2100.00} AB {$2100.00} THATS ENDING WITH  XXXX    XX/XX/XXXX  AB {$4 800.00} AND STARTING CITI  AB    XX/XX/XXXX  {$2100.00}. OKAY CITI DIDNT START REPORTING UNTIL  XX/XX/XXXX  C ITI SENT ME  ONE C ARD  XXXX . THEY STARTED REPORTING IN   XX/XX/XXXX  AND WROTE THE WHOLE ACCOUNT OFF  XX/XX/XXXX . ALSO  XXXX  SAID THEY MAILED MY 2 % CASH BACK  XX/XX/XXXX  AND IT WAS DECLINED BY CITI IN  XX/XX/XXXX .     3. CBNA CITI  CREDIT CARD - PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX  CREDIT  LIMIT  XXXX  RECENT BALANCE  XXXX  AS OF  XXXX   XXXX  RESPONSIBILITY AUTHORIZED USER?????  XXXX  ACCOUNT IN GOOD STANDING. OPEN NEVER LATE.   GRIEVANCE ;  XXXX  ARE MISSING AS AVAILABLE CREDIT BALANCE SOON AS CITI TOOK ACCOUNT HUNDREDS MISSING IN AWARDS 2 % MONEY BACK AND A GHOST ACCOUNT SET UP WITHOUT MY CONSENT OR COURT ORDER THEY CLAIM MY LAWYER DID IT I NEVER HIRED A LAWYER TO RIP ME OFF LIKE A CROOK I WANT NAMES AND ANSWERS. CUT MY CARD IN  TWO T HAN RIP OFF MY 2 % CASH BACK IN   XX/XX/XXXX  TO  XX/XX/XXXX . AND NOW  THEY WANT ME TO PAY  XXXX  PAST DUE NOW THEY WANT ALL OF IT  XXXX  AND KEEP THE GHOST ACCOUNT OPEN THAT IS THE VIRUS THAT TOOK MY  CREDIT SCORE   XXXX  POINTS IN NEGATIVE.   I WAS ENGAGED TO BE MARRIED AFTER 8 YEARS OF HARD WORK WHEN THESE CROOKS PLANNED THEIR BURN NOTICE ON ME WITH NO MERITS. DAMAGES IN THE THOUSANDS. THIS IS WHAT I CALL CORRUPT CORPORATE GREED. I AM VETERAN SERVED MY COUNTRY WITHOUT   DISHONOR   XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  AND  XXXX   XXXX   THESE CLOWNS NEED TO SEE WHAT IT LOOKS LIKE TO BE ON THIS SIDE FOR A  NEW YORK    MINUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: WA

Complaint narrative:
Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
The prior mortgage servicer canceled an existing home owners insurance policy and force placed insurance. this increased the escrow portion of my mortgage payment and has since resulted in a large escrow shortage. Also the current servicer has approved a modification that is unaffordable. The offer is   XXXX   months at 4.625 % deferred  XXXX ,  UPB  of  XXXX  p & i of  XXXX  escorw of   XXXX with   XXXX  down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: LA

Complaint narrative:
XXXX  I submitted a dispute in regards to inaccurate reporting a charge off by   XXXX  in th e amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XXXX  Disputed this account with  XXXX  and Experian  XXXX  Received an account summary from  XXXX  for dates   XXXX   thru  XX/XX/XXXX   XX/XX/XXXX -I received Experian investigation results  showing a ccount updated   XXXX   XXXX  I received    XXXX    investigation  results showing that the account was updated  XXXX  I sent another letter  XXXX ,   XXXX   and Experian  asking that they send me pr ovide me with viable proof that this debt was mine  XXXX  Recieved  the same exact letter from them with the account summary from  XXXX    XXXX   XXXX  Received letter from   XXXX   stated the account was still  being v erified as correct and no validation or proof was sent that this debt belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
As a point of reference today is  XXXX . I recently wrote a  XXXX  $ check for a friends wedding and post dated it  XXXX  because I would not have fund in my account until my employer paid me on that date. However, I woke up with an alert saying that my account was overdrawn by  XXXX  $ ( Inclusive of an  XXXX  $ overdraft fee ). So naturally I looked at my bank statement and saw that my check dated  XXXX  was cashed and is the reason for the overdraft. When my banks support function opened this morning I gave them a call and they said that it does n't matter when you date your check, if the recipient deposits it they will release funds. At that point, it was clear the bank was n't going to do anything so I hung up and came to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 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: SC

Complaint narrative:
Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Something is terribly wrong in my mortgage balance. I purchased my home at  XXXX   XXXX   XXXX  in  XXXX , Virginia in the year  XXXX . I have never missed a payment or ever been late with a payment since purchasing the home at said address. I have not ever made a refinanced loan to my knowledge since purchasing this home. However  XXXX   ( Bank of America )  have a balance of {$160000.00} remaining balance with a term of  XXXX  remaining years to pay. Some is fishy about this and when I asked to see the refinance package that BAC supposedly have on file they sent me  XXXX  sheets of paper that looks to be forged signatures. Also, the date of the alleged time was in the year of  XXXX  during the real estate crash. The previous loan was with  XXXX   XXXX  that  XXXX  purchased their loans.  XXXX  # is #  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: DISCOVER BANK
State: MN

Complaint narrative:
On  XXXX / XXXX /  XXXX   I pursed some product from  XXXX . I never received an invoice for this transaction for my records. I was then charged on my credit card. However, I believe the charges to be incorrect. I am unable to verify because  XXXX  refuses to provide me an actual invoice from the transaction. I believe that is because they know they over charged me and are trying to steal my money. I dispute this charge with Discover and requested an actual invoice. I received a typed letter from  XXXX , NOT AN INVOICE. I could type up a letter and have a read anything that I want. I will need to see an actual invoice form their system to prove this amount.     If they would have just emailed or mailed me an invoice in the first place, this could be easily have been resolved. That is why I believe this company is trying to cheat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I wrote letters and call transunion about the recent inquiry on my credit report and they fail to investigate and help me with this inquiry issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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:
Equifax is re aging a collection account purposely causing my credit score to go down. I do not even own this account and I have disputed this with Equifax several times. Not only are they re aging they are falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union will not remo ve old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or 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 2017-05-10 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: SC

Complaint narrative:
Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I recently filed a complaint  Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: NC

Complaint narrative:
XXXX   XXXX  will not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or 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 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union will  not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or 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