vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT  SHOULD BE REMOVED PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT SHOULD BE REMOVED PERIOD.

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 2019-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to furnish XXXX XXXX with my credit report when I apply for credit with them. They have hindered me from applying for this account which XXXX uses Equifax for new applicants. I have tried to resolve this with Equifax and it appears to be a glitch they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XXXX at tower loan in XXXX la, is constantly calling my phone and job phone more than once a day. I was threatened today XX/XX/19 at XXXX XXXX with a lawsuit by he and supervisor 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 2019-12-30 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: AL

Complaint narrative:
I noticed fraudulent inquiries on my credit report theres three on my 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 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX, and equifaxhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am filing this complaint because experian, XXXX, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Father XXXX XXXX passed away I have been making the payments on the mortgage Court appointed me I have submitted all docs to PHH ; they don't acknowledge I get reps from XXXX that do not speak English also the balance on PHH recording sayd $ XXXX their statement says $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Students Loans {$10000.00} Dept of ED/Navient - {$3900.00} XX/XX/XXXX Dept of ED/Navient {$3100.00} XX/XX/XXXX Deptof ED/Navient {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Dates : XX/XX/2018 - XX/XX/2018 2018

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 2019-12-30 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: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am filing this complaint because experian, XXXX and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Sorry for the lateness of this! Accidentally, I filed a complaint on XXXX XXXX, XXXX with the wrong agency ( Federal Trade Commission, ref # XXXX ). Below was what I sent to them : On XXXX XXXX, XXXX, I purchased from Best Buy.com an XXXX  XXXX XXXX XXXX  and the extra protection insurance plan, XXXXXXXX XXXX XXXX for XXXX. The cost of this insurance plan is $ XXXXmth, and it is automatically deducted from my account each month. On XX/XX/XXXX I had to change my Best Buy credit card # as a family member was racking up charges on it! I did NOTHING to the account other than change the #. And now here is where Best Buy erred : I guess when I changed my account # 's on XX/XX/XXXX, on my XXXX statement the {$12.00} was not deducted as it was supposed to be. However, the purchase does still show in the " Activities and Promotion '' portion of my statement, but again was not being deducted. Not my fault whatsoever. When I changed # 's back in XXXX I was never informed that I would have to notify whomever to have that {$12.00} deducted again each month under my new credit card #. I've had to change credit card account # 's in the past and never had to do anything additional. Whatever was being deducted under my previous acct. # would automatically transfer over. The actual XXXX payment was transferred over, but not the XXXX+ payment ( there is like a {$.00} or {$.00} payment taken out monthly??? ). Well low and behold I had to take the phone in for repair on XXXX XXXX, and the horrible nightmare began! The XXXX XXXX was about to make the repair, however they said it wasn't covered under the insurance plan. They advised that I go to the XXXX XXXX and maybe they could figure out what happened with the XXXX coverage. The Best Buy rep didn't understand how this happened either! So that's what I did. After several hours ( start to finish - not exaggerating ) the XXXX XXXX rep confirmed what the Best Buy tech told me. So as a result of this error on Best Buy 's part, I had to pay {$180.00} for a replacement XXXX. 
I've reached out to Best Buy via email and phone calls several times regarding this matter. My last attempt was XX/XX/XXXX and once again I got nowhere and ended up more frustrated than before!

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 monetary relief
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

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 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My husband and I took out a home equity line of credit and the bank forgot to disclose they would pay off the balance on the account as well as close the credit card accounts. We signed the documents with the bank and closed but when I called Capital One to explain there was an error in closing the account and that I would like to reopen the account the denied being able to re-open. This happened with another credit card of mine and they were immediately able to rectify the situation. I called several times and placed several tickets, speaking to a supervisor but they stated they could not re-open the account even with my authorization confirming I did not want the account to be closed. The bank we closed with will not send a letter to Capital one because they forgot to disclose and was on fine print in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX   Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MD

Complaint narrative:
An individual stole checks from my check book, forged my signature and cashed two checks for {$250.00} ( {$500.00} total ). 

I went through the US Bank Fraud claim process, and my claim was denied due to their assertion that I failed to secure my check book properly and was therefore liable. 

The forged checks were dated in XXXX but were cashed. In XXXX of the same year. The signature on the check is clearly not my own. It is clear that US Bank did not take ordinary care to ensure the checks were genuine.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a flight for 3 on XX/XX/19 for XX/XX/19. I called Chase on XX/XX/19 to change two of my tickets return date. I received a confirmation email from XXXX about the changes and was provided the full itinerary. On the day of the flight, we were unable to check in due to part of the itinerary being missing in their system. We called all airlines involved and Chase to figure out the problem. Someone from chase confirmed the person that made the flight change did it incorrectly. We ended up missing the flight and having to rebook a couple days later. Chase admitted it was their fault, and only offered to refund the amount in airline credit if we decide to cancel our trip. They even tried to charge me ticket difference and change fee for rebooking but I convinced them they should pay for it. I believe I should be able to proceed with my trip and still be reimbursed for the trouble that Chase had caused on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
A rep calls everyday, reminding me of the medical debt. I let them know that I do not have it right now, they reply when you think you are going to have it. I let them know that I am unsure about the date when funds are available. They continue with we all have basis needs but I need to pay the debt right away. I explained that I am still seeking treatment for the issue and as soon as I get some money I will pay them off. The amount is {$75.00} to XXXX XXXX. I have paid {$25.00} since time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I did not give any authorization for anyone to take money out of my account,

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 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.

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 2019-12-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX  LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.

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 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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