vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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: WA

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : 10 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 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 someone stole my wallet and used my cards in my wallet while I was working in XXXX XXXX, XXXX. ( 1 chase debit card, 2 chase credit card ) to make purchases. I called my bank and froze everything, but my bank rebilled me for XXXX $ from XXXX XXXX XXXX in XXXX, NY. I called them to explain that someone stole my wallet on XX/XX/XXXX and that was not me doin the transaction. I sent in 20 pages of documents proving I was at working in XXXX XXXX while the transaction was being made in XXXX. The documents included my police report, 4 Surveillance camera photos of me working at the time of the transaction, A letter from my manager stating I was at work, My phone log of call chase on XX/XX/XXXX. However, Chase continues to decline my dispute after all the overwhelming evidence I sent to show them I was not in XXXX. Their reason was because I did not report it stolen, but at that time I was unaware that my wallet was missing. I found out after the credit card call told me to check my pant. I called multiple time to tell them it was stolen. Their argument is that it was a chip on chip transaction and the store is in my geographic location so it was obviously me. However, I sent in documents to prove I was not in XXXX at the time of the transaction, but my bank continues to ignore the facts. They continue to deny my case and adjusting my balance accordingly. I have proven I was not in XXXX to make the transaction and that my wallet was stolen from me. It has been such a headache dealing with chases recovery department and their method of investigation. It is so absurd how they do investigation while I have proven that it was not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: WA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 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 2019-06-11 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: WA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 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 2019-06-11 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: VA

Complaint narrative:
I have disputed XXXX XXXX-XXXX charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with Transunion and XXXX. With Transunion on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from 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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Mortgage Alliance Corp. (HMAC)
State: VA

Complaint narrative:
I came to XXXX after being denied the week of my closing date by another mortgage company at the advice of my realtor. At first they were very helpful and insisted that they would be able to help me. My application was in XXXX when rates were higher than they are now. My other lender locked me in at 4.375 %, XXXX because I was desperate gave me the same rate early XXXX but left the rate floating. I was changing jobs so they told me the underwriter could not make a decision on my loan until I got a paystub from my current employer, I asked several time in the course of the loan was this the only outstanding item, they assured me yes. I later find out that they had issues with my credit score, and were not planning to make the loan but didnt tell me until the day of my closing. They sent a representative that doesnt work for them to tell me we would not get the loan due to a credit score drop in XXXX. Well here we are and XXXX and instead of notifying me when it happened he kept it to himself. I told him that whatever issue that was on my credit in XXXX was removed and I had documentation to prove it. Had he told me when the credit was pulled, this could have been resolved then. He then resolved the credit issue in mins, redisclosed the loan to me at the same high rate even though rates have gone down, charged a 1 % origination and 1 % points fee and the issued me a closing disclosure. Closing disclosure stated that we could close on Monday. Because I was desperate and wanted the house I obliged. That same weekend my loan officer went on vacation, never notifying me and left my loan file to be handled by someone who hasnt seen my file. Needless to say we didnt close on Monday as the closing disclosure stated, on Monday it was still being reviewed by an underwriter. The back up loan officer then tells me that their system noted a possible foreclosure on a property Ive owned for over 10 years and have never missed a payment on. It was totally bogus, with no evidence at all. So I missed the closing date again. This is now the 3rd closing Ive missed. I wrote a letter stating how ludicrous these allegations were and how unprofessional this company has acted. And no apology from them at all, they just sent an approval over of my files. I have been embarrassed, my privacy violated, and taken advantage of by giving me such a high rate and expensive terms. This whole process has been unfair and abusive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
When U S CFPB in XXXX filed a lawsuit for predatory loans eventually leading to the Closing of schools, no accreditation for the degrees, fraud and other illegal violations I felt the need to seek your help. 
Im filing this complaint about XXXX XXXX XXXX XXXX NAVIENT SOLUTIONS, INC for Fraud, deceptive marketing and predatory loan practices. Also for years of my credit score in poor standing and the stressful experience with a college degree that caused more financial hardships. 
After the news about the settlement for them using illegal deceptive tactics, for borrowers to take loans to attend. 
I have had a default on my credit report for years, unable to receive federal aid, my taxes offset XXXXand the struggle to overcome student loans from a Institute guilty of federal violations. 
Also for not assisting me with the information on CLOSED SCHOOL DISCHARGE programs when knowing I was a victim of the illegal violations. 
I am attempting to find a resolution to this complaint in a quick response before seeking judgements from the courts. For not respondig to the applications for the loan, not providing information about the loan, offset of my taxes. 
( I have more details on the illegal violations )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CO

Complaint narrative:
I bought a car through XXXX in XXXX. They used XXXX to pull my credit. I got 3 letters in the mail to different addresses, my home and business saying I had a XXXX score through XXXX saying I was denied the lease. My credit is over 700 on all the reputable sites ( XXXX, XXXX, XXXX ) I  called the car company and they said had I been denied, I never would have left the parking lot. I looked this company up online as I had never heard of them before and multiple people have run into the same problem and say this is Spam/Fraud and should be reported to this site. 

1 ) I have my credit frozen. So no one should be able to pull my credit score without me unfreezing it.

2 ) They are trying to get me to send them personal ID and financial information via snailmail, but don't give you access to a website.

3 ) It said I was a co-applicant, when I was not.

4 ) The reasons for my credit being " low '' with them make no sense. I have 20 years of credit history, yet it says I have limited credit history and not enough debt experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: PA

Complaint narrative:
Date of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report 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 2019-06-11 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: Credit Bureau of Carbon County
State: VA

Complaint narrative:
I have disputed COLLECTION CENTER-WYOMIN charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with XXXX and XXXX. With XXXX   on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: WA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 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 2019-06-11 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: FL

Complaint narrative:
Per Federal law FDCPA have a 30 day resolution. I disputed 4 bankruptcies on my TransUnion credit file, XX/XX/18, XX/XX/18, and XX/XX/18. TransUnion responded XX/XX/18, however, willfully omitted to state CUSTOMER HAS DISPUTED VALIDITY OF THIS ITEM on my credit report. As required TransUnion failed to contact bureaus on my behalf within 30 days.

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 2019-06-11 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: NY

Complaint narrative:
Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case 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
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case 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
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OK

Complaint narrative:
I have student loans through fed loans. They have miscalculated how many payments count towards federal student loan forgiveness and I have waited 18 months for this to be updated and they continue to refuse to update my account to correctly reflect my number of payments. 

All three of my loans should have the same number of payments and payoff date and they continue to not update for over a year despite phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: WA

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
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 2019-06-11 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:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a complaint against Citi card because a Citi Diamond card was bothering me with constant offers to increase my credit limit without running a hard credit check. Complaint # XXXX. In the complaint I stated I contacted the wrong card, I called Citi Costco   Anywhere card to ask about the offer. I spoke to a live agent and I told him I was calling about the offer to increase my credit limit without a hard credit check. He put me on hold. He did not confirm the availability of the offer at Citi Anywhere Visa and when he returned to the phone he says, so you want to ask for a credit increase? I actually thought he was checking on the offer 's availability but he was not paying attention and putting me on hold to do something else. I received the response to my complaint today from CITI. The entire response is a total fabrication of facts, frankly downright lies. Citi 's response from an employee at the Office of the President " claims '' he looked at actual evidence Citi has somewhere. I am not privy to this secret information and don't have anyway to refute the evidence as I don't have access to it. I am appalled that an employee at Citi 's Executive Response Unit would report total fabrications and falsehood to the Consumer Financial Protection Bureau. Not one word in CITI 's response is true.

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