vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank keeps on calling my husband 's and my house. We want written notification on this debt. We want these calls to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony BankXXXX XXXX I tried several attempts to resolve this account with Synchrony BankXXXX XXXX. They reported on my credit file in many errors as ND/No Data for 5 months then the account charge Off Then they closed it out. I wrote them disputing this account several times with no response to the matter. Then they told me on XXXX they sold it to a company named XXXX XXXX in which never in all this time mailed nor contacted me to this account. XXXX XXXX has not ever showed up as any collection on my account nor mailed me any letter which I 'm by law entitle to dispute any charges or the account. Cach llc is in bankrupt and various legal issues with various law suits. Synchrony BankXXXX XXXX is the originator of the loan in which they have violated my consumer rights. When calling them its nothing but the run around as to all the time I disputed the account and mail letter disputing the issues. Now they state the account was closed in XXXX. Of the 3 credit Bureaus Synchrony Bank/care Credit reported error information payment showing being made then on another credit report CO/Charge off but showing payment made on my other credit report show last payment made but nothing that Synchrony Bank reports match up and the credit Bureaus say they only go by what they report. There is nothing on this account accurate by Synchrony bank as to how they report correctly. 
My other issue would be to file suit on Synchrony and provide documents showing there errors amounts and letters mail to them time after time regarding this 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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I just received copy of TransUnion 's reply to complaint # XXXX. I find it unbelievable! They have for years, made available a totally inaccurate report of my credit rating and details and they ask for 60 days to correct! 

Their original credit bureau report stated the following : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiiable information Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. 

TransUnion has not indicated they have verified ANYTHING as accurate. They are not authorized any additional time beyond the 30 days originally allotted! They have used up 12 of the 30 days and must complete ALL CORRECTIVE ACTION within the remaining 18 days AND NO MORE! 
TransUnion has also reported information beyond 7 years aged, this is not legal!. The FTC and the DOJ will intervene if necessary. TRANSUNION - Get your problems fixed NOW.

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 2018-01-12 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:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear CFPB

Nationstar Customer Relations Department  c/o Mr. Cooper
XXXX XXXX XXXXXXXX TX XXXX

RE: Nationstar Mortgage LLC (d/b/a) Mr. Cooper. Mortgage Number‐XXXX

I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on
X/XX/2014, when the principal balance was increased from XXXX to $XXXX and eventually increased to $XXXX.

The original principal balance and the original loan amount is $XXXX. The current principal balance is XXXX more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately $XXXX. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.
…………..
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team; my Chapter XXXX attorney; the Chapter XXXX bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of XXXXXXXX.

I request that the current foreclosure action,  be cancelled and the correct principal balance be corrected immediately. 


Sincerely,

XXXX XXXX
XXXXXXXX XXXX XXXX XXXX CA XXXX

Nationstar Mortgage Number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.

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 2018-01-12 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: FL

Complaint narrative:
The Credit Bureau Customer Service would not help and take care of the negative inquires reporting to my credit report. 


XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX As well as ACCOUNT XXXX XXXX- XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, Never Had a Contract with this Creditor, amount is 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 2018-01-12 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I opened an account with XXXX XXXXk via XXXX XXXX in XXXX XXXX, I contacted the lender in XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called XXXX in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
We purchased a car from XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. We paid cash for the vehicle and made it clear to the dealership at all times that it was our intention to pay cash. The dealership refused to take cash without getting a credit score. I provided them with my drivers license and SSN so that they could verify my credit score. Instead they ran a hard inquiry for a loan. This inquiry will remain on my credit report for two years. I spoke with XXXX in Sales at XXXX XXXX who said it was company policy to run the credit inquiry as a loan request even if no loan were needed. 

I asked him to correct the info to reflect that we did not request a loan. He refused. 

I called back and asked to speak to someone in the finance dept. I was told that there was no one else who could address my concern. 

While the dealership is certainly within its rights to protect itself, it is deceptive to put info into the system that we applied for a loan and to have it remain in the system for two years when that information is false. 

I would like the dealership to correct the misinformation that it put on my credit report.

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 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OUT TECH, INC.
State: CA

Complaint narrative:
Medical bill was to be handled through insurance. Moved in Late XXXX, so never received invoice/ was never contacted through other methods regarding an outstanding bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

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 2018-01-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened an account with XXXX XXXX via XXXX XXXX inXX/XX/2017, I contacted the lender in XX/XX/XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called synchrony in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only 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 2018-01-12 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: FL

Complaint narrative:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

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 2018-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

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