vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: CA

Complaint narrative:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 2017-05-04 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: GA

Complaint narrative:
I have sent  XXXX  certified letters to each reporting credit bureau agency  XXXX ,  XXXX , and Experian on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record in formation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is  making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.

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 2017-05-04 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 sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.

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 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
This is a new issue regarding an ongoing foreclosure. In short, I 'm in the process of providing  one fin al piece of information that  Select Portfolio Servicing , Inc.  requested regarding a loan modification application that I completed on   XXXX   XXXX   XXXX  . As part of the completed process,  SPS  did take action to cancel a pending sale that had been scheduled for    XXXX   XXXX   XXXX   . In their letter regarding that cancellation,  SPS  indicated that the  XX/XX/XXXX  sale was canceled, and no further sale was rescheduled. They also said they would advise me in a new date was scheduled. However, on   XXXX   XXXX   XXXX  , the attorney representing SPS -   XXXX   XXXX   XXXX   XXXX   - filed another 'Praecipe Order of Sale ', and as a result of that Praecipe  XXXX  a new sale date of   XXXX   XXXX   XXXX   has been set, with a 'back-up ' date set for   XXXX   XXXX   XXXX  . In a phone call today with the ombudsman fo r SPS, t he representative,  XXXX   XXXX , said there was no sale date scheduled, nor an order of sale issued. I was placed on hold while she called the attorney firm mentioned above, and when she came back on the line, she confirmed that no date had been scheduled or ordered by their law firm. This is the second time in the past year that I hav e been working with SPS on the one hand ( the first time being validation of debt issues, which has still not been validated ), and on the other hand, the attorney group has filed an Order of Sale. This is a clear   illustration of 'dual tracking ' because I submitted a 'Facially Complete ' loan modification application on  XX/XX/XXXX , and yet, another sale date has been scheduled. On top of that, contrary to their earlier statement via letter, I have not been informed of that date b y SPS, an d only learned of it by checking th e Court dock et. Further, on their own monthly  statements to me, SPS reflects that only 1 foreclosure notice has been submitted, but that is not true since 2 have now b een submitted.     What would be a fair resolution to this issue?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: WI

Complaint narrative:
I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf  XXXX   XXXX  ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  Discover  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  Discover   ).   Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 2017-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

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 2017-05-04 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
After receiving phone calls from numerous credit card companies/banks about charges and noticing some missing items at the end of  XXXX , I went to check my accounts thoroughly and noticed fraudulent charges. My bank in Oklahoma was able to find a name of someone that did the charges and we filed a police report. It has been found that a person I  may  know has done this. There are actual cards missing. I have charges from Barclay from  XXXX  and charges from  XXXX  by  Barclay   from   XXXX   XXXX  The credit card fraud team at  Barclay  has been very unwilling to work with me as a customer. Other credit card companies/banks have gone over backward to help me and provide steps to getting this taken care of. These other companies resolved issues already and helped me to file an identity theft report to credit bureaus. Barclaycard continues to beat around the  bush  and say they have not received my faxes. I have sen t four faxes   over  the last six weeks.  They are switching my story around and saying a girlfriend stole from me. I did not have a girlfriend and stuff was stolen from my wallet. They continue to twist the story to make me feel like this is my fault. I call once a week and it is always the same response, " we have not received anything, call back next week. '' I recently spoke with a supervisor, who told me he would be calling the officer and never did. He tried to hassle me and put words in my mouth about the story, which was very frustrating. He also claimed they receive hundreds of faxes a day so he did not understand not getting mine. Once again, they tried to act like it was my fault they have not received the faxes when I have confirmations that they did. All of the representatives at  Barclaycard  try to intimidate me and make me feel like the whole situation is my fa ult. One r epresentative told me to mail in my police report but if they did not recieve it, they would try to dig up the faxes, insinuating they had the faxed police reports somewhere. On   XXXX   XXXX  , they told me they have received an incident report, which is not a police report. It was a police report, it has a case number and details from the investigating officer. The officer working on my case tried to call them to explain it was a police report and they left him on hold  for 45 minutes  at the fraud department.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a credit card from Chase Bank  NA  for which last month I did not receive my credit card and I did not realize it until yesterday. Today I made a payment of {$100.00} via their online system. Then I called  Chase C.S.  spoke with a Representative whom I explained that I did not receive last month 's statement and I was charged a late fee of which I refused to pay. He informed me that the bank is open   24 hours a day 7 days a week for which I told him that I am not available 24/7  being I have my own problems to take care of. Further he point blank refused to issue the credit of {$29.00}. I then spoke with a Supervisor who was informed who I was but that was not enough for her being she requested that I tell her anyway of which I refused being I felt that it was uncalled for.
I requested to talk to her Manager but she refused and said I must have a call back within 24 to 48 hours. I refused as I did not want to wait. In all honesty I am really angry being I have paid several late fees in the past when I did not get my statement ( s ) and now I will not pay this {$29.00}. I expect Chase to remove this late and if they even attempt to report the missing payment to the credit and d  estroy my credit I will take legal action against them. Several times I had a problem with them and I never filed a complaint against the bank but now I am really done excusing the Chase.     I am not obligated to chase after the post office looking for my statement nor am I obligated to go crazy making sure Chase sent me my statement. The pushes the blame on post office for not delivering the statement and hold me liable for not calling them if I do n't receive it. Well I am sorry I hold them liable for not receiving it and the post office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
360 Mortg age  Company has  fraudulently used my name and also has committed Identity Theft by claiming they were me. My new insurance company   XXXX   XXXX   which I 've had sine   XXXX   XXXX    2017. stat ed someone called and authorized changes on my insurance account. The changes were to change my personal information and begin sending all correspondence and billing documents to them. I also received a refund of my monthly payment and a letter of closing my payment plan account which I opened. The   XXXX   XXXX   representative  XXXX  out of the  XXXX  IL office and she confirmed the Mortage com pany 360 Mort gage made changes to the account. I was on my  XXXX   XXXX  online account and witness the changes that were made without my consent. The representative also stated that the  XXXX   XXXX  Agent  XXXX   XXXX  was the only individual who could authorize changes to my account. This is an invasion of privacy concerning the  Information Privacy Act and shows  an intent to practice fraudulent and deceptive business claims. The representative  XXXX  also stated that my phone number was verified by the  360 Mortgage   Company.  The phone number that was used has not been in service for years. I do believe  XXXX   XXXX  didi not know the details of  what 360 Mortg age was internally practicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affiliated Management Services
State: MO

Complaint narrative:
XXXX   XXXX  - {$480.00} I was insured during  XXXX    XXXX    XXXX  - {$520.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$650.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$2400.00} I was insured during   XXXX   XXXX   XXXX     Affiliated Management- {$200.00} I was insured during   XXXX   XXXX   XXXX   Affiliated Management- {$120.00} I was insured during   XXXX   XXXX   Affiliated Management- {$240.00} I was insured during   XXXX   XXXX   Affiliated Management- {$530.00} I was insured during   XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I purchased    XXXX    phones directly from  XXXX  online, which uses Synchrony Bank for financing transactions. During the checkout process, I selected the option for 0 % financing from   Synchrony, and filled out the application.
When I did not receive the usual verification text on my cellphone, I followed exactly the instructions on the website and clicked submit.
The result was that a decision could not be made at that moment. Since I was aware of the missing verification text, I called both Synchrony   and  XXXX  directly, and the Synchrony phone staff who assisted me got approval for the purchase. A verification number was mailed instead of texted.     When I received the approved card account mailing, there was no charge for the phones. When I attempted to contact  XXXX  about my order, I was advised there was no order retained by the system!     Most seriously, the promised promotional rate of 0 % is not available for my order, which has harmed me financially. I asked that this problem be remedied repeatedly, and I was assured it would be. However nothing has been done to set things right, despite repeated efforts to have this issue resolved.     Business license # : Synchrony Bank did not provide!     official company name : Synchrony Bank  XXXX   XXXX  mailing address as given by Synchrony staff : Synchrony Bank  XXXX    XXXX   XXXX     XXXX    XXXX   XXXX   XXXX , OH  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 2017-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I had taken out a online credit line of {$750.00} and have been paying {$90.00} to {$94.00} ever y 2  weeks sinc e  XX/XX/XXXX  whi ch totals {$720.00} but my amount owed is still {$970.00}. There is no way to get this paid off the interest rate is 279.4 % I believe they are operating under another name upon further investigation which is misleading as well. As everything I have says speedy cash but I dug deeper and found the other name which I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Problem with personal statement of dispute
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
On  XXXX / XXXX /2017   I  received correspondence from CFPB #  XXXX  regarding a complaint filed on   XXXX / XXXX /2  017 a gainst  Advanced Res olution Solution  Services , Inc,   I calle d ( ARS ) an d spoke to a  XXXX   XXXX  regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on  the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services,  inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n  XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on  XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.

Company response to consumer: Closed with explanation