vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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:
Transunion is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But Transunion IS NOT doing anything. 

The inquiries are XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX 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 2019-09-20 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:
I had lost my debit card somewhere between Tuesday, XX/XX/XXXX19 XXXX and Wednesday, XX/XX/XXXX19 XXXX. I had used the debit card on XX/XX/XXXX19 at XXXX, {$480.00} at a casino atm using my PIN. I did write my PIN down on a sticky note. Along with 2 other credit cards, I lost the debit and PIN. 3 unauthorized charges were made and I reported everything within 24 hours, told them I had written the PIN down. Chase submitted a claim and told me a temporary credit will be given in 12 hours. I was assured that would be done. 12 hours later, nothing. I called and was asked to wait another 12 hours after the charges have been posted. It is now Wednesday, XX/XX/XXXX and nothing. I was told the charges just posted so itll be done by the end of the business date. XXXX nothing. Was told yet again to wait. Thursday, XX/XX/XXXX19 morning I called again and was told the temporary credit was never approved and the bank has XX/XX/2019 to provide temporary credit. Wouldnt give me emergency credit for 200 citing that my account is new and they need to investigate. Went into the branch today and was given 100 as emergency. However they advised me that I would probably get denied because I lost my PIN. Also I have alerts set up in my account to notify me of transactions involving my debit card if it exceeds {$1000.00}, I was never notified. I do, however get notified everytime my balance drops below {$50.00}. Chase security never caught the 2 {$1000.00} purchase/withdrawal as possible fraud especially if my account was new. 

I reported the lost of both PIN and debit card within 48 hours. I was honest about losing my PIN. I was assured a temporary credit will be issued within a certain timeframe and never happened. Now I fear I may lose my claim because I lost the PIN with the debit card. I thought I had federal protection against liability even if my PIN was lost? Im fearful of what Im going to do if I lose the {$2300.00}. The bank is giving me the runaround and making me wait. The bank neglected to contact me for these transactions. I need help to fight with the bank. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
There are inquires on my report that i did not authorize

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 2019-09-20 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: PA

Complaint narrative:
There are inquires on my report that i did not authorize

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 2019-09-20 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX SYNCB : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-20 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are Barclays Bank Delaware : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 2019-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. On XX/XX/XXXX I contacted Specialized Loan Servicing to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. The only communication I received was a letter from Specialized Loan Servicing on XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is not willing to give me a timeline on when I will receive the lien release.

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 2019-09-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/19. I paid {$400.00} with MCM conf. # XXXX. The negative remarks of DEROGATORY/ CHARGE OFF/ closed have not been removed even after an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tormey Bewley Corporation
State: CA

Complaint narrative:
I Checked My Credit Report Today XX/XX/2019 and I found a Open Collection Account from XXXX XXXX XXXX XXXX and it says open and I owe {$0.00} due to Bankruptcy Ch XXXX. However its still hurting my credit due to the account staying open and reporting every month. This Account is Not Open! This needs to be fixed ASAP!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I overdrafted my account on Tuesday, XX/XX/XXXX. I was in succession, charged five additional times for overdrafts. I reached out the Chase on Thursday, XX/XX/XXXX that I was just made aware of the overdrafts and that I would have additional monies available in the account by XXXX on XX/XX/XXXX. During that transaction, Chase refunded THREE of the five overdraft fees. The account specialist then gave me information to return and call tomorrow XX/XX/XXXX to have the remaining two overdrafts taken care of. When I called on XX/XX/XXXX, at XXXX to have the additional charges removed, I was stonewalled and a special policy was given as a reason for not being able to remove the additional charges. The representative told me that only three could be removed in a twelve month period. This is patently false, as prescribed by another representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 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: AL

Complaint narrative:
Equifax is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform Equifax to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Earlier this year, I applied for and received a homestead exemption from the State of Florida under Fla. Stat. 196.031 to .171. The exemption reduced the taxable value of my home by {$50000.00}, resulting in a reduction in property tax on my home of about {$320.00} per year. 

I forwarded a letter from my local tax office which reflects the new exemption and estimates my XXXX tax liability to Freedom Mortgage, my mortgage servicer. I requested that the company recalculate my escrow and refund me the estimated overage. 

Roughly six weeks passed without any acknowledgement or answer, so I called to inquire about the status my escrow analysis request. 

Freedom Mortgage is refusing to honor the letter, and instead insisting on using the XXXX tax bill to estimate my XXXX taxes, despite the letter from the tax authority stating that my XXXX taxes will be approximately {$320.00} less than XXXX. 

12 C.F.R. 1024.17 ( c ) ( 7 ) states in pertinent part : " If the servicer knows the charge for an escrow item in the next computation year, then the servicer shall use that amount in estimating disbursement amounts. '' I believe that Freedom Mortgage is intentionally over estimating my escrow and violating 12 C.F.R. 1024.17 ( c ) ( 7 ).

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 2019-09-20 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: DISCOVER BANK
State: AL

Complaint narrative:
XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX Trustmart National Bank : XX/XX/XXXX Trustmart National Bank XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/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 2019-09-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

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 2019-09-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: FL

Complaint narrative:
The inquiries are not related to any transactions made my me. I have never applied for these accounts. Please remove them as soon as possible because all of them are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My issue is with Equifax credit report and has been going on for a week+. 
While attempting to lift a credit freeze ( which took over a week because attempts to do this via automated phone, web, and multiple agents failed ), it was discovered that Equifax credit report is missing 38 years worth of employment. 

The agent told me to login to Equifax and add my current employer because they could not do that. The agent said neither of us could add employers beyond my current employer. 

I gave up speaking with the agent and tried logging in at my.equifax.com to update my current employer. I can not log in to the website even though the password, etc. is correct. The site says " an unknown error has occurred ''. 

I tried calling Equifax again re : the website error - the phone system asked a lot of questions but eventually told me to have a nice day and hung up in me, referring me to equifax.com. 

When I went to equifax.com, it redirected me to my.equifax.com where I'm getting " an unknown error has occurred ''. 

I basically have no way of contacting Equifax at this point to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
LoanCare took over my mortgage when XXXX went bankcrupt. I have never missed a payment and they have cash all my checks or processed electronic payments. They did not credit it me the first payment made for XX/XX/XXXX, the check cleared the bank XX/XX/2019. I have been trying to resolve this for months and have sent copies of the checks 4 times and talked to them for hours. They promise to fix it but never do not, they are charging me late fees. I have spent hours and hours on hold. I have documented everyone I talked to or e-mailed. I am at wits end to know what to do any more.

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 2019-09-20 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: AL

Complaint narrative:
I have several hard inquiries on my credit report that I DID NOT make and Experian is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to Experian to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are XXXX : XX/XX/2019 XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 2019

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 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc.
State: WA

Complaint narrative:
I agreed to a payment plan with FH Cann and Associates.  After my first 2 payments were charged, I had to get a replacement bank card, which has a new number. 

For 17 days ( XX/XX/XXXX until XX/XX/XXXX ) of trying to reach FH Cann in order to notify them of my new account and update my payment information, I was unable to reach anyone at the company. They do not respond to emails. Their phone numbers typically go unanswered. 

One of their two publicly posted phone numbers simply cycles its introductory message with the notice that they are a debt collector, over and over, and does not allow the caller to speak to a live person, leave a voicemail, enter an employee 's extension, nor " press buttons for more options. '' There was no way to reach anyone at FH Cann in order to update my payment method on time, so my automated charge did not go through on my payment date. 

On XX/XX/XXXX I was finally able to reach a person via phone and resolved the immediate issue. However I still want to register a complaint about this, because it is terrible that we can not reliably reach this company to update our payment information or make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The mortgage company double charged me for one month in XXXX when they bought the loan from XXXX XXXX. Even though I have been writing them and calling them about the error they denied my claim. In addition they are charging me very high penalties every month and they are increasing their penalties every month. I have paid thousands of dollars in unfair usuary penalties but making my payment. The latest one you can see shows {$310.00} in fines on a {$670.00} mortgage. I need someone to intervene and see about getting back some of these unfair fines. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: PR

Complaint narrative:
During this day a Transunion representative told me that they directly contacted the federal court to corroborate two accounts that appear in my credit report XXXX and XXXX Once again Transunion committed a Fair Credit Reporting Act violation. I included a copy of a letter directly from the US Bankruptcy court where the attorney advisor to the clerk of court Mr. XXXX inform and I quote The fair credit reporting act is inapplicable to the Court because the court is not a consumer reporting agency. The court does not verify any information held by credit bureaus In addition, according to the Transunion web page they indicate that the public bankruptcy information they collected on or before XX/XX/2018 was through XXXX. I have a letter from XXXX XXXX that case XXXX and XXXX are no longer listed. I need all bankruptcy information currently showing under my social security number to be permanently deleted from my credit report 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