vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion I found more FCRA Violations On your behalf!! 
XXXX ACCOUNT XXXX XXXX ACCOUNTS XXXX BOTH ACCOUNTS ARE CLOSED ACCOUNTS THEY BOTH ARE REPORTING MONTHLY PAYMENTS HOW IS THIS SO???? PER FCRA THIS IS A VIOLATIONS AND BOTH ACCOUNTS NEEDS TO BE DELETED YOU CLAIMED THIS ACCOUNT HAS BEEN UPDATED / VERIFIED THESE ACCOUNT ENOUGH IS ENOUGH YOU NEED TO DELETE THESE ACCOUNTS ASAP XXXX XXXX SHOWING {$220.00} A MONTH XXXX SHOWING {$150.00} A MONTH IN CASE THE FILE IS NOT CLEAR BUT XXXX YOU REPORTING THE VIOLATION YOU CAN SEE IT

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 2019-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I tried to remove my fraud alert over the phone and even though I answered everything correct they did not remove it. They told me I needed to send in prof of my address and S.S #, so I faxed it to them. On XX/XX/XXXX I called to see if it has been removed and they said it was still there. I asked why it wasn't removed and they said they could read everything but my picture was not cleared. They asked me questions again ant i answered everything correctly, but they said they could not remove. I asked why if I answered everything correctly and they already have prof of my address and S.S # and she could not answer me. I asked them to talk to a supervisor and they would not. I had to them 6 times before she transferred the call but they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On or about XX/XX/2019 I contacted Synchrony Bank regarding fraudulent charges on my account. 
I was first put through a phone line dedicated to preventing me from contacting their fraud unit. After waiting about ten minutes to talk to a live person. 
The person I spoke with refused to allow me to contact the banks fraud unit and instead told me to contact the merchant who placed the charge. 

I was put on hold for another ten minutes, while they had me contact the merchant directly, which did not turn out well, as they tried to state that I might have subscribed to XXXX XXXX by Mistake, which I did not do and therefore I was liable for the charge. 

It was not until I told the representative that I would be contacting CFPB that they agreed to remove the charge. 

I should not have to go through this long ordeal, for someone else 's actions, and Synchrony Bank should have been the one investigating fraud on my account, which they did not do, is violation of the credit laws.

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 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Mortgage will not rewind to loan modification request and also paperwork that was turned in on XX/XX/2018 and again on XX/XX/XXXX. They have refused our calls and payments. We had a XXXX loan and they advised us to terminate the fist contractor because he abandoned the job. He filed a lawsuit against me and the bank. I retained a lawyer @ {$10000.00} in cost to me, at which time Caliber refused any of our calls or payments. They have sent us foreclosure paperwork. I have no where to go and only want to back payments to be placed in the back of the loan. Also I as told that they received XXXX XXXX in TARP and only used XXXX XXXX. They have not tried to help us at all. Nor take responsibility for th contractors lawsuit causing us to retain a lawyer which I no longer can afford. The past few years, this hardship has cause a separation, XXXX, leav f absence from work. Can you help us keep the house

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XX/XX/2019 payment on credit report shows a s late payment was made beefore late deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened an asterisk-free checking online and electronically deposited funds into the account. On XX/XX/XXXX I removed all funds in the account leaving a XXXX  balance. I called on XX/XX/XXXX to close the account. I was told the withdrawal of the funds had not fully cycled and that I would have to call back to close the account. I contacted the company on XX/XX/XXXX to close the account. The associate told me that it is " bank policy '' that based on my location that I had to come into the office to close the account. I informed the associate that given my circumstances it is less than convenient to do so and that I didn't understand how a fully virtual account opening, electronic deposit, and then electronic withdrawal would then require a physical presence to close a {$0.00} balance account after I had been fully authenticated on the call and instructed them to do so. He said simply that it was their policy. It seems unethical to require an inconvenience for customers who choose to stop doing business with them to have to physically show up at branch when all the preceding actions had all been virtual. Is it their policy to cause this inconvenience?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from XXXX, XXXX, and Equifax so that i could begin to dispute incorrect credit info. I received XXXX and XXXX reports and never received Equifax after receiving the other two reports.I tried contacting Equifax by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that XXXX  deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OK

Complaint narrative:
In early XX/XX/2019, I attempted to get new car insurance through XXXX. Everything was fine until they reported that I had two speeding tickets that I had not disclosed. I do not have any tickets, XXXX told me I had to file a complaint with LexisNexis to get the information corrected. Meanwhile I had to pay hundreds of dollars more for my insurance to get it started. I filed the complaint with LexisNexis and they told me it would take a month to get corrected. It was more like almost two months. On XX/XX/XXXX I finally got the " corrected '' report from LexisNexis. They had indeed removed the fraudulent tickets from my record, however they left this other person clearly shown on my report in six places on the report. I called them back to file another complaint, I asked to have this other person completely disassociated with my record. That IS NOT ME! They said it will be another month. I called back mid-March to be told that nothing had happened and they were filing ANOTHER ticket to have this other person removed, and it would be yet another month. I called back over a month later, on XX/XX/2019 to be told that nothing has happened and they wanted to file a third request to have this person removed from my records. I requested to speak to a supervisor because I can not understand why this hasn't happened already with the two previous requests. A discussion with a supervisor takes 1-2 business days, so I am now awaiting that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express keeps on sending statements negitiating a debt that was paid from 15 years ago. My tenant got sick of these phone calls that started again and sent a letter to stop harassing and how AE costs people their jobs as they report debt on the credit report. The minute the letter from a third party was sent not the actual owner they address a debt collected sent a letter. American Express abuses the consumers rights! and harasses them, I have not sent a letter a third party did telling them to stop contacting the household.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX/XXXX XXXX  has closed their store, so they have reported negatively on my and my husband, XXXX XXXX ' XXXX  acct.as of XX/XX/2019. This is involuntary and we are not at fault. They need to rectify this action as it has lowered our credit score by 15 %. We have always been in good standing with our accounys with XXXX XXXX/XXXX XXXX. 
They are also not allowing me to enroll in their " XXXX credit protection program '' As of XX/XX/2019, XXXX XXXX and XXXX program kept passing me back and forth on the phone, playing games for over almost 2 hrs! from XXXX-XXXX XXXX, just to not allow me to enroll in the credit protection program! It was totally uncalled for! We should still be allowed in the credit protection program regardless of the store being closed! 
XXXX XXXX # XXXX ) XXXX-XXXX XXXX   XXXXXXXX XXXX # ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I applied and was approved for the Chase Business Credit Card in XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX  points after {$5000.00} or more in eligible purchases are made on the credit card within the first 3 months. In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time and the earning point posted in my account. After I paid off I don't use this credit card and didn't check my account online. 

On XX/XX/XXXX I went online to Chase account and find out that my credit card have been cancel by Chase and Chase took all my earning point away. I call customer service and find out that my credit card have been charge over {$800.00} in XX/XX/XXXX and it past due. She said to able to reopen my credit card account I have to pay off the balance. 
I want to keep my points so on the XX/XX/XXXX I  make payment of {$400.00}, and another payment on XX/XX/XXXX for {$200.00}. On XX/XX/XXXX I pay off the remains balance of {$200.00}. However, after I paid off that unknown charge to my credit card, Chase refuse to reopen my credit card account and not give my back my earning point. 

The Chase representative tell me to apply another Chase credit card and when I receive the new card call the customer service give the reference as follow XXXX so they can post my earning point back to my new credit card account. I did follow his instruction to apply the new card. However, on XX/XX/XXXX I received letter from Chase with Reference Number XXXX to did not approve my credit card even though my credit score is XXXX show on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: NY

Complaint narrative:
The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX  XXXX ( REMOVE because someone applied for credit in my name )

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 2019-05-06 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: NY

Complaint narrative:
The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX   Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )

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 2019-05-06 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: TX

Complaint narrative:
I submitted an official FTC Identity theft report to all three credit bureaus ( Transunion, XXXX  and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called TransUnion on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I've attempted to eliminate my PMI. I've paid my balance down to 71.64 % of my original balance. I've never been late on a payment and have made payments for over 180 months. Ocwen Loan Servicing is trying to force me to pay {$450.00} for an appraisal in order to eliminate the monthly PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Pennymac set up repayment plan payments to start XX/XX/2019 

XX/XX/2019 I paid XXXX XX/XX/2019 I paid XXXX, received by pennymac by overnight mail on XX/XX/XXXX, did not post until XX/XX/XXXX. XX/XX/2019 I paid XXXX   sent overnight, pennymac claims check not received as of XX/XX/2019, not posted. 

This is second time pennymac not posting payments as of date received. All payments are made by cashier checks from bank, I have copies. Got letter from them I defaulted because missed payment when in fact payment was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Garcadia Financial LLC
State: TX

Complaint narrative:
During Hurricane Harvey, XX/XX/2017, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial provided certificate # XXXX for four months lease pull ahead for use if I purchase or lease a new vehicle by XX/XX/2019. The certificate states, " XXXX will cover up to 4 lease payments up to {$2500.00}. '' I leased a new vehicle on XX/XX/2019 and met all the terms of the certificate. On XX/XX/2019, XXXX months after I turned in the previously leased vehicle, GM Financial refused to honor the lease pull ahead and sent me a bill for {$1200.00}. I have been stuck in the middle between GM Financial and the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: IN

Complaint narrative:
I received a letter stating I owed {$350.00} for an unpaid Illinois toll violation that occurred in 2018. I never received any type of notice from any toll company. The collections agency said the toll was {$7.00} and the remaining balance was a fee. They stated they had no proof a I was ever notified of the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CA

Complaint narrative:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}

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 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter ( XX/XX/19 ) from WFFinancial Svcs. informing me that they are issuing me a CC with a {$5000.00} + cap. I loath WF  and would never apply to them for a CC. 
I tried calling Only one phone # for WFFinancial Svs. In XXXX XXXX, SD and call is never picked up ; continuous elevator music. There is no contact info in the letter for which to contact them. I did track down the issuing offices in XXXX XXXX. 
I do NOT want credit cards listed as mine. It reflects poorly on my credit, not withstanding that someone may have applied in my name/ stole my identity.

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