vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK
State: AZ

Complaint narrative:
I reported 5 unauthorized transactions that took place on XX/XX/XXXX and XX/XX/XXXX XXXX  for a {$30.00} unauthorized charge another charge for {$10.00} from the XXXX. On XX/XX/XXXX unauthorized charges from XXXX for {$19.00} and XXXX for {$7.00} and {$5.00}. The total amount of 5 unauthorized charges were {$72.00} The dispute reference # XXXX for 1st Bank XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX. I was informed that the dispute would be resolved and card was cancelled. The representative ( XXXX XXXX ) appeared to be reluctant in resolving the matter. Her response was that unauthorized charges were impossible? She then stated that the matter would be resolved and that charges would be reversed and NSF fees would be reversed as well. I feel violated from unauthorized charges from the perpetrators and 1st bank. To this day nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting multiple tradelines with inaccurate information. I was unemployed in XX/XX/2014 and my Navient and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX. These lates are inaccurate and should be removed. 

XXXX is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.

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 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed this account information starting XX/XX/2016- XX/XX/2016. The account is aged and needs to be removed. It's been removed from XXXX but still remains on XXXX and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises
State: SC

Complaint narrative:
Hello, I pulled my credit report for the first time in many years and found a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) is reporting a negative collection account to all three bureaus. I have never heard of this company nor have I ever entered into any agreements/contracts with them. The debt has been on my credit reports since XX/XX/2013 however this company never reached out to me to notify me of an alleged debt. The amount that they are  demanding is only {$50.00} however I have no recollection of this balance. I've read numerous negative comments about this company and their borderline illegal practices. Furthermore, the statute of limitations to collect on a medical debt in the state of SC is 3 years however they are still reporting this negative account that I do not own on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX  is reporting multiple tradelines with inaccurate information. I was unemployed in 2014 and my XXXX  and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX/Bestbuy. These lates are inaccurate and should be removed. 

XXXX/Bestbuy is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.

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 2018-04-10 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: WA

Complaint narrative:
Equifax is the only bureau reporting 11 " unknown '' collections on my credit report. The other credit bureaus don't have anything negative on them. I have no idea what these are and it is unfair that they can just report " unknown '' items totaling 11 that aren't even mine let alone not doing a proper investigation by law that they are required to do when I file a dispute. They didn't respond to the one I filed ignoring it completely also a violation of the law. Supposed no-name account numbers below : Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold out to Carrington Mortgage while I was waiting on my insurance claim due to Harvey ... Thousands were affected by this storm so I waited my turn ... I have filled out emailed and faxed numerous documents to Carrington ... They seem to have a different answer and form with each call..Carrington has sent out a inspector and know what my money has been spent on.How long do I suffer because I had proper insurance coverage???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reading credit report notice late payment that are inaccurate.

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 2018-04-10 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: NC

Complaint narrative:
I have sent a certified affidavit to TransUnion twice and yet they have ignored me i sent a affidavit identity theft to them as well # XXXX as well as a CFPB # XXXX and still ignored why don't you all get on these crooked credit bureaus for violation of the FCRA you all just send them the same documents that i uploaded to CFPB and these documents are sent to some other country who do not even verify anything there is nothing ever done i would really like to see someone do something about this knowing that this is surely a violation. the CFPB is suppose to get on them in regards to any matter that a consumer disputes. PLEASE DO YOUR JOB

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 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE : CAPITAL ONE NA Claim # XXXX On XX/XX/2017, at or about XXXX XXXX, I used an ATM machine located on the lobby of CAPITAL ONE NA Bank at XXXX XXXX XXXX, XXXX, NY XXXX, tel. ( XXXX ) XXXX.The ATM ID # XXXX failed to dispense {$100.00} cash requested. The metal rolling door opened and remained opened for 3-4 seconds, but not cash was dispensed.The bank declined my claim, deducted {$100.00} from my checking account and refused to provide video footage of the transaction proving that the ATM did not dispense the cash. 

After the failed transaction, I spent 40-50 minutes in front of the ATM machine talking with customer service and file a complaint. The ATM was not used during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I called XXXX  XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.

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 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Account # XXXX ( this is 1 of 4 with CBE Group ) Amount XXXX To whom it may concern, On XX/XX/18 I sent out a certified letter to CBE Group Regarding account ( XXXX the supposed amount of XXXX ) to address XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I requested an original bill baring my signature be provided to me showing that this was my debt. 

I only gave them the right to show me this information. Instead they sent me a an alleged statement stating that it was mine divulging personal information violating HIPAA laws. At no time did I request a statement of the procedures that were done. I asked for an original Bill bearing my signature. 
I have sent them three certified letters requesting an original Bill bearing my signature and all they send me are these statements that are not even on letterhead or proper billing forms. Additionally, when I sent them the first letter they did not put on my credit reports, I know this because I ran my credit report again on day 31, that this item was disputed within 30 days following the : Fair Credit Reporting Act section 623 ( A ) ( 3 ) or Fair Debt collections Practices Act section 807 [ 15 USC 1692e ] Fair Credit reporting Act Section 609 Fair Credit Billing Act Public Law 93-495 Section 164 ( i ) Law US Court of Appeals, Ninth Circuit, No. 00- 15946, XXXX XXXX XXXX XXXX The information that CBE Group is reporting is not 100 % accurate They have several misspellings and incorrect name for me that they claim is my debt and will not correct the errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a JPMORGAN CHASE BANK AUTO LOAN On XX/XX/XXXX i got sick and spend a few days out of work Two weeks after i was told by my Doctor that i needed XXXX and i spend tow months at home after the XXXX and receive a XXXX XXXX XXXX which was less than the haft of my regular paycheck i wasn't able to make my payments on time only my utilities bills was cover i spoke to the JPMORGAN CHASE BANK to let them know about my situation. 
XX/XX/XXXX I was able to go back to work and started pay off my late bills and got all up to date. I check my credit report and saw how much this have affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
I have been requesting cancellation of private mortgage insurance for the past four years. I have contacted Nationstar/Mr. Cooper many times asking for this to no avail. They sent an appraiser out in XX/XX/2017 and I have still not heard anything back. I contacted them following this appraisal and they claimed that they never did an appraisal. I am above 80 % loan to value and have been for years. I am requesting they refund this premium back to the original request date and cancel this coverage. 

I appreciate you help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

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 2018-04-10 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: NY

Complaint narrative:
From XX/XX/XXXXto XX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXXthat any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FromXX/XX/XXXXtoXX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX  to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

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 2018-04-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I was unemployed and collecting unemployment benefits from XXXX. During this time, my loans with Navient were supposed to be in deferment. Due to an error on Navient 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. 

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: AL

Complaint narrative:
i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

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 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.18, but to my surprise these company failed to block/update these fraudulent  account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.

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 2018-04-10 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: GA

Complaint narrative:
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only XXXX can issue legal tender, and XXXX  XXXX relieved me from debt, since it's public.

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