vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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: MD

Complaint narrative:
I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent XXXX checks for {$29000.00} to another party without my authorization and added these charges to my account. XXXX of the accounts they added this balance to was a closed account with a zero balance. This is fraud beyond belief.

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 2017-09-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is incorrectly reporting that I have caused six ( 6 ) inquiries into my report during the past two years, a fact that in completely wrong. 
I found that information through XXXX credit monitoring who uses that agency for credit reporting. This is obviously affecting my ratings as I make it a point to not have many personal accounts open. I do pay all my accounts on time and do not seek additional credit, do not accept the XXXX offers that are sent to me on a regular basis. 
The objective is to correct the errors and issue a corresponding score consistent with the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Filing this complaint because 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 accounts, 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 manner as soon as possible. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: CA

Complaint narrative:
EXPERIAN has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

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 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

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 2017-09-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I been having problems with NAVIENT XXXX saying I still owe them after being approved and threaten to garnish my XXXX and XXXX Income and them giving me different names associated with NAVIENT attached is a release from and discharging my payments furthermore it has impacted my XXXX reporting agencies while working on repairing my credit I have gave them my permanent and total XXXX discharge and they have not honored it and NAVIENT still raising interest last year in XXXX they threatening to mess up my credit if I did n't pay and somehow got my number and address without my knowledge requesting new information on XXXX of XXXX, I send the approved XXXX letter I received and they are still not cooperating. The XXXX school I attended also mislead me and their no longer in business with no job

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate. 

I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan. 

I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase credit started running my credit without my authorization several months back. I called and spoke with someone at Chase and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. Chase continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from Chase. I have asked numerous times for this to stop, but Chase continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but Chase has done nothing. 


CHASE CARD Bank XXXX XXXX, XXXX CHASE CARD Bank XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX credit started running my credit without my authorization several months back. I called and spoke with someone at XXXX and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. XXXX continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from XXXX. I have asked numerous times for this to stop, but XXXX continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but XXXX has done nothing. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Unisa, Inc
State: MD

Complaint narrative:
My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.

Company response to consumer: Closed with monetary relief