vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: CA

Complaint narrative:
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete 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 2018-05-15 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: CA

Complaint narrative:
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2017 I was charged for a transaction for {$1500.00} in XXXX XXXX by Chase. I was indeed at the establishment but I paid with cash and did NOT pay with my card, the establishment asked for my credit card which is not uncommon. I was only at the location for 45 minutes, proof of this was forwarded ( credit card receipt for restaurant where I had dinner prior to as well as XXXX receipt ). 

On XX/XX/2017 I checked my statement, this was when I noticed the fraudulent transaction. I called the credit card company and was told not to worry. 

End of XX/XX/2017 I got a call from Chase stating the dispute was not accepted. 

On XX/XX/2017 I forwarded letter to Chase Cardmember Service providing explanation as well as back up for the 45 minutes I was at the establishment. 

On XX/XX/2017 Chase forwards letter stating the dispute is not valid. 

On XX/XX/2017 I forward letter to Chase Cardmember Service asking for itemized list of items purchased as well as signed receipt from the Merchant. 

On XX/XX/2017 Chase issues a letter stating the charge is valid and I am asked to contact the Merchant directly to further discuss. 

Since then I have not received any further letters but have gotten several harassing phone calls. I continue to ask Chase for itemized list of items purchased as well as signed receipt but I am not getting anywhere. 

I have never NOT paid any charges on my credit cards and I always pay off my balance in full. But I obviously do not intend to pay for a transaction I never made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: OR

Complaint narrative:
XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is 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 2018-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a complaint about TD bank 's online service. I added my bank accout on line and scheduled automatic payments on XX/XX/XXXX. TD Bank states that my bank account was added for payments but payments were not scheduled. I know for a fact that i not only added my account but set up recurring payments. I have a printout that states as much. But TD bank states that it is not their problem. 

I contacted TD Bank on XXXX and told them about their website error. I then asked to speak to a manager and they said someone would call me within XXXX hrs. NO one ever called me back. I spoke to a rep on XX/XX/XXXX and they stated once again that a manager would call me. Once again no one called. i once again contacted TD bank on XX/XX/XXXX and was told a manager misunderstood my request and that I would have to wait another XXXX Hrs. At that point my payment would be late again, I had to make a payment. 

On the night of XX/XX/XXXX I finally received a call back from a manager. The manager immediately lied and said that another supervisor called me back on XXXX. After I explained that all 3 reps i had previously spoken to had verified that I had NOT receieved a call back. furthermore while on hold, i pulled up phone records and i verified that no call was ever recieved or message left. After pressing the supervisor on why she lied, she admitted that she was making assumptions and did not really know. The Supervisor also admitted that there was a server error on the day i set up my automatic payment but that it was in another department. 

This company repeatedly lied to me and only had a supervisor call me back after payment was received. Their website is horrible and has a lot of errors. If an error is experienced you might not know and it is the customers fault not the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/XXXX : I contacted Hungtinton Bank and explained that I had been unemployed for a number of months and still had no employment in sight. I asked if there was something that could be done. They told me no, just pay and do not be 30 days late. I continued using my savings to pay which meant other bills were not paid. 

Finally, in XXXX of XXXX, after missing some payments I spoke with someone at the bank. Explained I had been unemployed but finally had a new job but at less that half of what I previously made. They told me I could apply for a loan modification and that this was an option that should have been offered when I was unemployed. 

XX/XX/XXXX. The modification was completed but not to my satisfaction. I asked to speak to someone in management to discuss what had occurred. I was given name and number and called over and over and over. I was called back maybe once, twice at the most but not when I was free to speak. I continued calling only to be ignored. In addition, while awaiting the loan modification, I was called by the bank and told I was delinquent. I told them I was working on a modification with them and did not understand how they could not do this. 

XX/XX/XXXX : After continuously trying to speak with management I paid nearly {$2400.00} XXXX one month late and the amount per the modification ). I still continued to call and be ignored. 

XX/XX/XXXX : Received a check from the bank representing the amount I paid them. They said I was delinquent and needed to pay in full. I have tried calling them again and still no response. I made another payment but am concerned they will never address my concerns. I can now make regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was on a deferment and they marked me late multiple times. There are also many instances of duplicate reporting and it has completely ruined my credit. The unfair practices has affected my purchasing power by devastating my credit. Rather than assisting me to repay the loan I was pushed in deferment, which more than doubled the principal of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On Friday, XX/XX/XXXX, a process server knocked on my door. She served me with papers saying that I was being sued by XXXX XXXX XXXX The papers said that Midland had purchased my debt from a credit card, and that I owed them {$1000.00}. I paid the credit card company XX/XX/2017. I have the receipt to prove it. The papers said that I needed to file a motion with the court in the next 30 days or I would automatically lose the judgement, and that my wages could be garnished. A copy of my receipt was sent to the court clerk, and I was told that it was being forwarded to the attorney representing Midland. Is it legal for Midland to draw up court papers over a debt that has been paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX   XXXX XXXX {$470.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.

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 2018-05-15 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: AL

Complaint narrative:
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # XXXX provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX DEALERS XX/XX/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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied. 
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back. 
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid. 
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score.  He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.

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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 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: WA

Complaint narrative:
I called coustmer service to have this problem resolved and the guy name was XXXX XXXX and couldn't resolve this issue or give me his representative number he said it was against policy. I told him I was a victim of identity theft and I do not recognize them inquires. He told me the only thing I can do is get a police statement. The police is not going to give me a report on the inquiries on my credit report. All this came from transunion crediting bureau. 

1.XXXX  XX/XX/XXXX 2.XXXXXX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX  XXXX  XX/XX/XXXX 11.XXXX/XXXX XX/XX/XXXX 12.XXXX/XXXX  XX/XX/XXXX 13.XXXX/XXXX XX/XX/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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: CA

Complaint narrative:
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : TRANSUNION- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/2016 TRANSUNION

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have submitted numerous notices to this organization requesting to see proof I opened this account or entered into this contract. They respond with recent payments, purchases, and balances that are not mine. 

I did not open this account nor contracted with this organization in any way. Yet they have extremely sensitive personal information of mine that I did not authorize them to attain. 

I do not recognize any of the purchases, payments or any statement information they provide. They claim I signed up for their credit card online, where I did not such thing as I have not had a credit card for 3 years now. 

This debt they claim is mine is not mine and they have yet to prove to the contrary, harassing me with notices irrelevant to me. 

This account/contract is void ab initio and must be cleared from my record immediately, and all my personal sensitive information must be removed from their database immediately.

Company response to consumer: Closed with explanation