vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.

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 2018-11-14 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

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 2018-11-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
On XX/XX/XXXX, I purchased two suits from XXXX, a company that makes bespoke suits. This company committed fraud, did not meet its terms of service, and lied about their shipping arranagments to me. I received the suits, to an address in XXXX, because they would not ship the suits to XXXX XXXX, where I currently live. This is despite nothing in their terms of service claiming they would not ship to XXXX XXXX. It only states they do not ship internationally, and XXXX XXXX is part of the United States -- so the shipping would indeed be within the same nation and not " international '' The suits, which I had to fly to XXXX to pick up, did not fit me at all. This was despite a guarantee they would. They refused to allow me to get them tailored in XXXX XXXX, again claiming in International. XXXX XXXX is not international, and to highlight the absurdity of this argument they could of simply used the USPS and not paid additional shipping costs. Also, I would even be willing to pay additional shipping costs. 

My credit card company asked for a letter from a competitor, which I was able to get and provided. This gave the expert opinion that XXXX was not acting within industry practices. I also provided all my correspondence indicating they would not remake the suit from a tailor in XXXX XXXX and they would not honor their guarantee. Despite this, they would not reverse the charge. This is against their terms of service. 

XXXX also refused to accept a return of the suit and provide a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Certegy Holdings, LLC
State: AZ

Complaint narrative:
I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.

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 2018-11-14 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: FL

Complaint narrative:
On XX/XX/XXXX I received by mail a Pre-qualified offer from XXXX XXXX XXXX XXXX, XXXX  to reduce my current new car loan from XXXX XXXX. In the offer they indicated my XXXX interest rate@ 8.6 % and their pre-qualified rate@ 5.5 % which the offer would expire on XX/XX/XXXX. The offer letter also had a Pre-Qual Code XXXX to be use by calling or on their website. I decided to use their website, on XX/XX/XXXX at XXXX, where I entered the Pre-Qual Code as instructed. I then was taken to a standard loan application which required me to enter almost all the info that was already in offer letter. So, I became suspicious, but I continued until they asked for my SSN, which I did not enter, at point I ended the application and closed the webpage! To my surprise a few minutes later I received a confirming email to my email address XXXX stating thank you for applying for an auto loan and I would here back in a few days! It cam form XXXX! I immediately replied with a return email : To whom it may concern : I received a pre-qualified invitation from XXXX XXXX XXXX XXXX and XXXX  to refinance my auto loan, showing details about me and my current loan! 
When I went to your website as instructed and entered the magical mystic code XXXX include in the letter I received, it responded with many questions, with I answered, even though they should have already been answered as identified in your letter. Which leads me to believe that this is a scam!!! 
So, I am requesting that you remove any and all personal information you solicited from me ASAP or I will file a complaint with the FTC charging Fraudulent Solicitation!! I sure you or your organization is aware its illegal! 
I will expect a response to my request acknowledging that you removed me from all email and or phone lists as I requested!! If not, I assure you that you will hear from me again! 
Thank you XXXX XXXX. 

Today I received notice from XXXX XXXX, who Im a member, that a new Hard Inquiry had been made to my Equifax credit report, asking me to verify it, which I did! It was made by XXXX XXXX XXXX XXXX! I filed a dispute with Equifax immediately which is currently pending! 
I did not give my SSN to this bank, I didnt complete their form giving them authority to pull my credit report. I tried to get their customer service with no results, they dont seem to have one, I  dont know of any Bank that doesnt have customer service! 
I suspect fraudulent activity, this appears to be a scam! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am a XXXX XXXX. On XX/XX/XXXX, I received a request by email for a my availability for a filming job in XXXX XXXX XXXX. After several e-mails back and forth with this person, I accepted the job and they sent me a check for advance payment. I received the check on XX/XX/XXXX for {$6500.00} ( see attached ) and deposited it in my account at Chase Bank via the ATM. On Monday, XX/XX/XXXX, I called the bank the check was drawn on ( XXXX XXXX ) to verify funds. Later that day, I tried to make a deposit to my Chase account so I would not overdraft ( since the check had not yet cleared ), and was told the account was restricted and I needed to call an 800 number. I called the number and was told that my account had been cancelled and that Chase Bank no longer wanted me as a customer. I had been a customer there for 11 years. I kept escalating the call to manager after manager and got no explanation. 

On XX/XX/XXXX, I went to a branch of Chase Bank in XXXX XXXX XXXX and met with the manager. He looked at my account and said there was nothing he could do to reverse it and that I was a risk to the bank. The check had cleared but he said that I could not have the money, again with no explanation. He then made a couple of phone calls and acted like he was trying to make a case on my behalf but was unsuccessful. I was treated like I was a criminal with no explanation. He said I was banned for life from have a Chase checking account. I asked him about my two credit cards and was told that I could keep them, again with no explanation. 

I told the manager that I have direct deposits that come to that account and he told me that IF that happened, I could come to that branch only and he would give me the money. ( That did happen a few days later and by going to THAT branch, I was able to get my funds. A second direct deposit went to my account and they would NOT give me the funds, but mailed me a check about a week later. Very frustrating. ) At the end of the conversation, my mother ( who had gone with me to the meeting ) asked the manager if this was because of the check I had deposited and the manager said yes. That is the only explanation I ever received. I can only assume that the check was fraudulent and Chase Bank assumed that I was in on the fraud ( which I was NOT! ). The proceeds from the check disappeared from my account and Chase charged me a {$12.00} stop payment fee. 

I feel I have been treated unfairly and had to go to great lengths to set up a new account at another bank and get everything transferred over. 

I am happy to provide the string of e-mails I received concerning this job offer if this would help your investigation. 

Basically, I want an explanation of why I was treated like a criminal when I am the victim here. I filed a police report and have the case number if you would like to have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
, I just discovered even after disputing with the credit bureaus, there is still an inquiry from your company being reported improperly. I am not sure of the origin of the inquiry This is why I would like validation of the inquiry to verify their accuracy. I need to examine the statements that show how the inquiry accumulated and the original signed contracts or applications giving the original creditor permission to pull my report. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent inquiry, however ; it is a possibility. I need to look through these documents to determine if the inquiry is the result of unauthorized use.

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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2018 card was declined i called the company capital one and i was told they suspected fraud because my mailing address was changed .Apparently during the conversion from Cabelas credit being sold to capitol one due to the merger of bass pro shops and Cabelas some XXXX at capitol imput my home address incorrectly a new card was issued to me however they never sent a new card for my husband. he called and was told on two seperate occasions that a new card was on the way The first was regular mail and the second was to be expedited overnight, Neither card was ever sent after repeated calls to capitol one they told me the cards were not sent. my husband was so livid he called and cancelled his card and explained to Capitol one not to cancel my card. well capitol one did just that they still have not resolved the issue and i have not recived a new card, totally disgusted being lied to directly by a financial institution. If I did not have XXXX in accumulated points at Cabelas I would cancel my card but i can't use my points without a card thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: MT

Complaint narrative:
I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/XXXX, as of today Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX XXXX  XXXX  XXXX not mine XXXX XXXX  XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 my Chase debit card had an un authorized transaction in the amount of XXXX, which I reported that same day that it happened. I told my bank that I work In XXXX XXXX and that I had been in XXXX XXXX all day that day, The transaction took place in XXXX XXXX. They told me that after they did there fraud analysis that it did not seem like fraud to them, so I appealed there decision. I gave them proof that I work in XXXX XXXX as well as game them my HR phone number, and i even included a pay statement showing that I worked my full 40 hours that week. They has me call the vendor were the unauthorized transaction was made, the vendor told me my bank has to deal with it not them. Then I went and filed a police report since I do not know what else to do, since I was no where near XXXX XXXX that day and I should not have to loose my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 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: TX

Complaint narrative:
The checking account for XXXX is reporting as a charge off collection account. This account was paid in full prior to be charged off. I am requesting that this account be removed from our credit report. 


XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed Overview You've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance $ 371 Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos )  Term 0 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Deposit Related Responsibility Joint Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
The mortgage company that holds my mortgage has not processed my bankruptcy payments as a credit to my loan nor have they applied all of the " unapplied '' monies to my account. If this were done I would not be behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar previously sent me a " Loan History '' document but the left side of the document is cut off and does not show the full dates. It also only shows the transactions for XXXX and I need to see them all from XXXX to XXXX in this same system/report. 
This is because it seems to show different payment amounts than other reports I have been provided previously that were taken from a different system screen and I must compare the two. 
I have attached the exact top of the screen so the system screen can be found. 
Part of the screen number at the top left was cut off, the screen number left showing is " XXXX ''. The report starts on page XXXX. 

I have sent a QWR and tried to contact someone who can send me the full report but have not been able to.

Company response to consumer: Closed with explanation