vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and Transunion just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX I placed and cancelled an order. This order was shipped anyways. I refused the order and gave it back to XXXX. XXXX did not deliver it to the shipper. I contacted Citi Bank to inform them of the dispute. They did not handle the dispute properly and did not give me an opportunity per card member agreement and Mastercard rules to properly dispute this charge. I had a number of written and verbal correspondence with Citi about this issue. After I was told the dispute was found in the favor of the shipper/seller, I requested arbitration verbally and in writing. They did not allow arbitration to be conducted. Due to the delays of Citi Bank and their dispute process, I was unable to properly dispute this.

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 2019-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
SIGN A ADJUSTABLE LOAN AND DID NOT READ THE 30 PAGE CONTACT WITH HAD A BALLOON LOAN AT THE END OF IT AND FELL BEHIND ON PAYMENTS LAST YEAR AND SCHEDULED A APPOINTMENT WITH WELLS FARGO TO GET OUT OF THE LOAN INTO A CONVENTIONAL LOAN EVEN KNOWING I WAS GOING TO SIGN FOR ANOTHER 5 YEARS BUT THEN WAS TOLD DUE TO THE WAY THE PAYMENT WERE BEING PAY AND STILL BEHIND COULD NOT GET INTO AND NOW RECEIVING LETTERS ON THE HOUSE THAT IT IS IN FORECLOSURE AND NOW LOOKING INTO THIS PROGRAM AS A XXXX XXXX VET.

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 2019-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for an equity loan with Chase and was declined because of a low credit score with XXXX. My XXXX score is XXXX and the representative said it was XXXX. I feel Im being discriminated against after I said I am XXXX XXXX. When I asked how do I appeal he gave me the wrong email. When I asked a second time he gave me the correct email and his demeanor changed when I told him I was registering a complaint. I want to purchase my parents home by paying off my siblings for XXXX. The house is paid for so I would increase my net worth. Some people just dont want to help others succeed even though they have been in good standing with the bank for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: GA

Complaint narrative:
I'm a victim of identity theft. I sent Experian everything they required to fix this issue. I included my FTC Official Identity Theft Report, Police report, all documents, I even sent them a letter directly from a creditor that clearly states an account should have been removed. With all that sent to them, they still haven't removed 2 fraudulent accounts. There's literally nothing more I can send them. I just want this issue resolved quickly so me and my family can get our life back.

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
account sold to PRA -- -paid for delete and they are still refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and XXXX just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
account sold to XXXX -- -paid for delete and they are still refusing to remove 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 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
Received a phone call that I believe to be a scammer looking for info on Student Loans. She called from phone number XXXX ( Florida number ) and left a voicemail. She stated her name is XXXX XXXX she didn't state the name of a company she works for. She stated there would be changes to my student loan and that I needed to call her back to discuss my repayment options. The call back number she left is XXXX. She left me a reference number XXXX. This seems to be a scam because she didn't mention my name or who my loans are through. She had none of my personal info, but she was hoping that I would call her back to give her this information and likely force me to make payments towards some scam no associated with federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I first reported XXXX XXXX as a fraudulent set of fees totaling over XXXX to Barclay 's American Aviator MasterCard in XX/XX/XXXX. The charges were from XX/XX/XXXX and into XX/XX/XXXX and I believe backdated onto the card. Barclays said it was " a real company '' and denied the request to reimburse the funds to me. 
However, after filing with your agency, the President 's office was aware of the XXXX XXXX XXXX XXXX XXXX listed on the website XXXX and finally agreed to reimburse the XXXX and it was posted on my account on XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX and when reported 9 months ago, there has been 28 % interest added to these charges Barclays failed to reimburse until your company was involved. 
In addition, they say " policy '' will not allow that reimbursement to be used toward the TRUE balance that has always been minus XXXX. That policy only supports the credit cards when fraud is proven and NOT the consumer who did not regain interest and does not have the TRUE balance that has always been minus XXXX. I have left 3 messages for a call back that has not happened, waited on hold for a total of over 5 hours in 9 months, returned calls to President 's office where you can not reach the person who was helping you as the recording says, " President 's office not available '', continue to receive robocalls requesting a payment on my card that has XXXX credit on it. That policy is wrong at so many levels.

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 monetary relief
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
I had ( 5 ) small student loans with XXXX and they were past due. I consolidated the loans and they were paid off in XXXX. This information was reported, however, they still have the past due loans on my credit report. Now they have the new loan owner and the ( 5 ) other loans are still listed in red. These loans need to be removed from my report, not only is it ruining my credit score, its ruining any chances of me getting approved for anything. This is very critical to me, my only child goes to college in XXXX, and my score is so low, I wouldn't be able to help pay for college. I have written letters to all 3 credit reporting agencies to no avail. I've written a letter to XXXX  as well. I need this information updated on my credit report, ASA possible!!!!

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 2019-05-13 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: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN ACCOUNTS.

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: AR

Complaint narrative:
I purchased several prepaid Mastercards and I am unable to log into the website and verify the balances on the cards. Also, I am unable to register the cards. A vender tried running the cards and ALL were declined. Calls this date to customer services to notify them of the website issues were ignored.

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 2019-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
We have a prior case number with the CFPB. # XXXX the account # XXXX. 
On XX/XX/XXXX, we received a letter from Specialized Loan Servicing ( SLS ) stating that the money we paid them was voluntary. yet back on XX/XX/XXXX, the letter we had stated Default Notice and Notice of Intent to Foreclose. 
What we ended up doing was borrowing XXXX from our retirement to reinstate the loan as this was the only real option given by XXXX XXXX, Teller ID # XXXX to protect us from the threatening foreclosure process. Our reasoning was to not lose the sizeable equity we have in the home. 
Since reinstating the loan we have grown tiresome of the company and the way they do business. Fees here and there so we have decided to refinance the home with cash out to pay back the retirement borrowed and to get rid of SLS forever. The payoff they require is XXXX that's XXXX total. Is that fair? 
The original loan was XXXX and it was discharged in the bankruptcy. 
Upon researching this company and I hope you do. You will find they are predatory and are heartless. When you call you can not talk to anyone with a title, nor can you speak to a manager unless you have a CFPB Case #. Even then they are rude and will talk over you and won't let you be heard. 
We wanted to try and settle with the resolution/loss litigation dept and see if we paid a lesser amount to make this go away and the representative named XXXX wouldn't let us speak. They won't even give us a statement of our account. They say the legal dept won't let them. 
We are going to finish the current cashout payoff to get rid of SLS, if there is anything that you can do to help us recoup any of the XXXX from SLS we would appreciate 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 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MO

Complaint narrative:
On XX/XX/XXXX I enrolled in a program for XXXX at XXXX XXXX. Due to personal reasons I was forced to switch to the XXXX XXXX program and was still charged for XXXX classes. 
There was a very poorly handled situation with this program and I was forced to transfer to XXXX XXXX XXXX program on XX/XX/XXXX. I graduated from this program in XXXX. Although I did receive a certificate I have not been able to find work in this field. Employers see my certificate and know it is just that - a certificate. 
XXXX has no record of my enrollment in XXXX, but I was charged for a XXXX  class on my transcript. 
I believe that I am being charged for the XXXX program that I was not allowed to finish. The average tuition at the time was {$11000.00}, but I was charged over {$18000.00} and now have over {$20000.00} in outstanding Federal loans. 
The program education was not accredited and the credit hours were not transferable, of which I was not advised and the instructors rarely showed up for class. I never received any hands on training in the field, and subsequently was never able to find a job in the field. 
I never wanted to be a XXXX XXXX XXXX, but did want to be an XXXX   XXXX instead. In my opinion, XXXX XXXX has put me in a position of debt that is totally fraudulent. 
In XXXX I began trying to reach out to obtain transcripts from the program and while I received the transcripts it still does not explain why I was charged for classes for a program that I was not allowed to complete. 
I also submitted a letter to the US Dept of Education on XX/XX/XXXX and was never informed of the progress of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: TX

Complaint narrative:
showing 3 social on my reports obviously combine id theft, but all ftc violations fcra violations that costing me thousands

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
i was victim of identity theft, somebody stole my personal information to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was hit randomly with 2 hard pulls from capital one On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. 

Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. 

I am looking for someone to please help the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been trying to update and dispute the address and name on my credit report since XX/XX/XXXX. I reached out again XX/XX/XXXX because every time I apply for credit it comes back that equifax is frozen, I haven frozen anything and the address they have on file is not mine. I reached out again to dispute online XX/XX/XXXX and no response yet and their process is 3-5 business days and within 30 days they will send me a letter in writing. I don't have 30 days. I need my credit information today. I reached out again only to go through authentication and pass but still can't update my information, i faxed over documents again today. Equifax said they received the current address which is a NJ address from lenders which is impossible because i live in GA and no lender and XXXX  and XXXX XXXX have the NJ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
i was victim of identity theft, somebody stole my personal information to open accounts.

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 2019-05-13 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: CORELOGIC INC
State: CO

Complaint narrative:
Credco out of XXXX XXXX did a credit report without my knowledge. It was done with my social security number, but my husband 's name. Totally incorrect. Last month I sent a letter to Credco and they assured me it would be removed. It's still on my report -- twice

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am being sued, when I called the number provided, I could not speak to an attorney because I was told There is not a direct line to an attorney and it is not the right department. This is a violation of FDCPA 1692e. False or misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I noticed on my credit report that one main financial has added an inquiry on XX/XX/XXXX. I did not apply for a loan nor request a loan with XXXX XXXX. I attempted to contact the branch. No one picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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:
I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.

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