vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: TX

Complaint narrative:
On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.

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 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Company is reporting on a ll  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: PA

Complaint narrative:
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted   XXXX   and provided documentation of the undeliverable mail to them which they signed for   XX/XX/17    . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my   XX/XX/17   report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated   XX/XX/17  fr om  XXXX  due to my phone call and all of the old incorrect information is back on 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 explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Company is reporting on all     XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to remove the truncated false accounts from my credit report. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they  MUST be r emoved immediately to avoid litigation  : 1.    XXXX   XXXX    XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX     XXXX    4 .  XXXX    XXXX    XXXX  5.   XXXX   XXXX   XXXX     XXXX  6.  XXXX   XXXX  7.  XXXX   XXXX    XXXX     XXXX   XXXX  8.  XXXX   XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs. Equifax  XXXX   XXXX   Case. No.   XXXX  to show precedence to the court on the same violations I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above accounts from my credit report as well as the unauthorized release of my credit report to the following companies : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   : :  XXXX   XXXX      XX/XX/XXXX   3.   XXXX   XXXX    XXXX     XXXX   XX/XX/XXXX  4.  XXXX    XXXX   XXXX  :   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.  XXXX   XX/XX/XXXX  If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA Section  623 including Defamation and willful injury at {$1000.00} per violation. May I also remi nd you of  XXXX ,  v.   XXXX   XXXX   XXXX   US , Court of Appeals  for the  XXXX  Circuit  Court  Case  XXXX   XXXX   XXXX ,    XX/XX/XXXX ,   Filed (  XXXX   XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NY

Complaint narrative:
On approximately    XXXX   XXXX     2017 I mad e the required payment and extra. On   XXXX   XXXX    2017 I  made another payment for    XXXX   XXXX     2017, it w as applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about   XXXX   's payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On    XXXX   XXXX     2017 I reve iwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for  sixty  days. I called the company again and the representative hang up.

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 2017-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NY

Complaint narrative:
On approximately   XXXX   XXXX    2017  I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017,  it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX  payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

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 2017-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I was looking to purchase a used vehicle last  XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast   XXXX   different banks ( none of which I 've ever even heard of  )!  That  's    XXXX   hard inquires on my credit on the same day! That 's it in a nutshell.

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 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Company is reporting on al l  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail Also sent me a letter in the mail from a lawyer who I do not have a contract with to pay Included all forms of communication in the below files, including the letter to the law firm. Also, the company is Synchrony Bank, Reports as Care Credit as well and now the law firm.

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 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Company is  reporting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have (    XXXX   ) late pays on  XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.

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 2017-05-22 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls

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 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
5 private student loans were opened with Citibank in/around XX/XX/XXXX. After going through financial stresses, I filed chapter XXXX BK in XX/XX/XXXX and was discharged in XX/XX/XXXX. Payments were made to Citibank while the loans were in bankruptcy. After BK discharge, Citibank transferred servicing of my loan at some point but never notified me. Citibank never sent me a bill or emailed me to state that my payment was past due at any time. My information was correct in their system, as I had checked the website multiple times throughout the last several years and made sure all contact information was up to date. Citibank is now reporting my loans as charge offs/collections and the servicer does not know which collection company my loans went to. I am paying federal student loans and would have no issue paying these private loans but Citibank never contacted me regarding payment, either by US postal mail or email and just sold and reported to the credit bureaus as charge offs.

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 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to remove this truncated falsely reported account from my credit report. The account number belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. This account is not reported accurately due to the fact that it does not express the full account number and MUST be removed immediately to avoid litigation  : 1   XXXX /  XXXX   XXXX   #  XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs.   XXXX     XXXX   XXXX  Case  .  No.  XXXX  to show precedence to the court on the same violation I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above account from my credit report as well as the unauthorized release of my credit report to the following companies :  1 .  XXXX   XX/XX/XXXX  2.  XXXX   XXXX    XXXX     3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XXXX   XXXX    XX/XX/XXXX  5.  XXXX   XXXX   XX/XX/XXXX  6.  XXXX   XXXX   XXXX   XX/XX/XXXX   7.    XXXX   XXXX   XXXX   XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.  XXXX   XXXX    XXXX  . If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA  Section 623 i ncluding Defamation and willful injury at {$1000.00} per violation.  May  I also remind you of  XXXX ,  XXXX   TRANS UNION CORPORATION US   , Court of Appeals fo r the   XXXX  Circuit Court Ca  se   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX  , Filed (  XXXX  No.  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 2017-05-22 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:
TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  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