vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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

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 2019-07-31 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: AMA Advisors, LLC.
State: PA

Complaint narrative:
I recently refinanced with Homebridge Mortgage Company and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now Homebridge reported me late for the XXXX payment and I am requesting they remove that late payment from my XXXX credit report. The Homebridge agent gave me incorrect information. If you check the records, my payment was made on-time ( not XXXX days past due, it was XXXX days ) and it was cancelled the next day. It is unfair to force consumers to pay XXXX  months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, 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 2019-07-31 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Letters was sent to Equifax, XXXX and, XXXXXXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I closed on my home with Flagstar Bank on XX/XX/2019. About a month later I received a letter of Servicing Transfer to XXXX , XXXX. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the 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 2019-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was not able and spent several hours trying to contact Experian Credit Bureau to unfreeze my credit report using repeatedly both telephone and internet. There is no way to contact them. The other 2 credit agencies make it easy and take only a minute. There is something wrong with Experian. Date XX/XX/19

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 2019-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.

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 2019-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Today, XX/XX/19, I set about freezing my credit report. I had no problem with XXXX or XXXX XXXX. When I attempted to freeze my report with Equifax, I am one of their victims, I was asked a series of questions regarding some distant credit accounts that are no longer active. I answered incorrectly somewhere in the process so they will not freeze my report. They will not give me a report because I can't tell them what is on it. So I can't freeze, mean while the others worked with me to get it done. The person on the phone then told me I would have to send a hard copy of my social security card to them. I can't believe they are even allowed to request this. I want Equifax to remove me from all of their files and leave my personal life alone. I want nothing more to do with them. They are the incompetents who allowed my information to be stolen. They are heavy handed thugs who control my information for their profit. They will not allow me to protect myself because I can not meet their self imposed criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: PA

Complaint narrative:
I recently refinanced with XXXX XXXX  XXXX and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXXXXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now XXXX reported me late for the XXXX payment and I am requesting they remove that late payment from my Transunion credit report. The XXXX agent gave me incorrect information. If you check the records, my payment was made on-time ( not 30 days past due, it was 29 days ) and it was cancelled the next day. It is unfair to force consumers to pay 2 months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.

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 2019-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19 I sent a wire from XXXX to Bank of America and it seems that some of the information was incorrect. Bank of America returned the wire but deducted {$45.00} from the original wire. I was not informed of this fee or authorized this charge which I felt is unfair. Since this is not an informed or authorized charge I would like the money returned

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017 I was no longer able to access my Chase credit card online. I reported the problem to Chase and Chase sent me a letter stating that my account could not have online access. However my billing was paperless and I had no way of knowing what was still due on the account. Having no way of knowing was was due or still owed on the account I have been going into a Chase branch and paying {$100.00} or {$150.00} per each month. At this point I might be paying this the rest of my life. I have no paper statement coming to me and no access to online. I have tried to create online access on the Internet again and again but I can not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
This is to dispute this collection I been tried to resolve this problem no one seem to help me I contacted all three credit bureau no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: DISCOVER BANK
State: DC

Complaint narrative:
First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. 

Second, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. 

Finally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX   dispute to fix this.

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 2019-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX a XXXX  hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX   then transferred funds ( XXXX ) from  my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
For the last several years Chase has sent me offers in the mail to get a new account bonus when opening an account. Finally after over 2 years of offers I opened a new account with the coupon the sent me offering {$300.00} bonus for a new account. 

After meeting the requirements of the offer they deposited only {$200.00} as a a bonus and not the full {$300.00} as advertised. 

I still have the offer card they sent to me and have even received further offers of the same from them. 

I contacted them the day after the {$200.00} was deposited and they opened a complaint / investigation ticket for me. The company had a lady named XXXX contact me on XX/XX/XXXX and left a voicemail with a number to call her back at to discuss. 

I have left her multiple voicemails every business day since then with no response. I have called customer service and they can not reach her either. I then opened a second complaint 2 weeks ago and have still not heard back from them on that one either. 

The coupon code on my card was : XXXX XXXX XXXX XXXX This is a terrible way to begin a relationship with a new customer by not keeping your offer and the lack of response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
When responding to Chase 's letter I call and try to discuss the bigotry I have faced, then they warn me they will hang up if I continue to use profane language. I have only used the word bigotry. While bigotry itself is offensive the word is not profane or abusive. 
If Chase had used the interactive good faith process under the ADA and had accommodated my XXXX this would not be happening. 
Further when trying to ask how they could accommodate memory XXXX instead of inquiring what would be needed they indicated that they treat XXXX people the same as everyone who is not XXXX. The interactive good faith process would end this. 
Lastly Chase refused to respond to CFPB complaint id, XXXX

Company response to consumer: Closed with explanation