vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XXXX of 2020, I reached out to my Mortgage Company ( Loan Care LLC ) for assistance due to income loss related to COVID-19. Loan Care Informed me that I was approved ; nevertheless, I never received documentation to show my approved amount of terms. I was forced to choose between feeding my family or run the risk of loosing my home due to Loan Cares incompetence and unreliability. What Loan Care did is a direct UDAPP violation as they failed to provide assistance when needed. It is unfair that huge mortgage companies like loan care get away with this unethical behavior. Still until today call after call I cant reach a live representative and I simply get a pre recording advising Im approved. Again no information on the alleged temporary relief I was approved for.

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 2020-05-08 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: NV

Complaint narrative:
These are not my 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 2020-05-08 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:
Experian continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX  XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years Experian never reported any payments 5. Experian is showing all of my open XXXX student loans as closed with a 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 2020-05-08 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: GA

Complaint narrative:
XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a 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 2020-05-08 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: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

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 2020-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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:
On XX/XX/2020 a letter was sent to Equifax requesting the removal of fraudulent activity. Per 605B of the FCRA, I submitted my personal ID, police report, identity theft form, and a certified signed affidavit and sent these documents via USPS certified mail. These documents were received by Equifax on XX/XX/2020. 

I received no response from Equifax dated 5 days later of them saying that they would look into this matter. 

Per the FCRA, they had 4 days to block the account in question. I did not receive any response from Equifax until XX/XX/2020 that stated that they WILL NOT block these accounts. But instead do an investigation. 

This is a violation of my rights, and I intend to seek legal action IF this account is not blocked per the law. 

I am requesting the CFPB investigate into this matter as Equifax has had many data leaks and while as the consumer, I am seeking to have this fraudulent account removed per the law, this is my legal right. However Equifax has chosen NOT to follow the law. 

Equifax, willfully breaks the law after documented proof and I intend to seek damages as their actions are damaging my reputation. 

Equifax has said they will investigate, for 30 days on a letter that was datedXX/XX/2020. While per the FCRA, this letter should have been sent to me within 5 days after receiving my dispute on XX/XX/2020. 

I intend to hold Equifax, and all parties involved liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Letters were sent to both Experian and XXXX  to dispute items on my credit report. Letter 1 also included a letter to XXXX  after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX Experian has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

XXXX XXXX only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

XXXX  removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.

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 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
back in 2006, I had a payday loan with Advance America it went to court in XX/XX/2006 and was decided and closed. Case number XXXXI am in the process of trying to get home and Advance America has continued to report to Indiana loan that I owe {$200.00} I contacted Advance America and they refuse to take it off stating they have no information this was discharged. And that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I booked an XXXX for XXXX. I agreed to make two payments on my Chase card, one on XX/XX/2020 and one on XX/XX/2020 ( a few weeks before check in ). On XX/XX/XXXX my card was charged XXXX. On XX/XX/XXXX, I got a notification that there was a price drop so I would be getting the difference of XXXX dollars. Instead of processing a refund, XXXX charged me XXXX dollars on XX/XX/2020. Months before I was supposed to be charged. XXXX is claiming they arent sure what happened. I think this is very convenient considering the fact that they just laid off 30 % of their workforce and are clearly strapped for cash. I did not offer to give XXXX an interest free loan but they are not processing any sort of refund on the fraudulent charge. Clearly this is a system error that they refuse to acknowledge! Please help. I have all the receipts and documentation you need!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
This is a second request as I have not received anything. But these creditors are not mine.

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 2020-05-08 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: GA

Complaint narrative:
XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act.

1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a navient student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
This is a second request as I have not received anything. But these creditors are not mine.

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 2020-05-08 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: NV

Complaint narrative:
This is a second request as I have not received anything. But these creditors are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: PA

Complaint narrative:
This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.

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 2020-05-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute letter to Transunion on XX/XX/XXXX. I sent my letter via the XXXX XXXX and I sent it via certified mail. I waited my 30 days and called Transunion, after I didnt hear anything. They explained to me that they didnt receive my letter and couldnt follow through with the dispute. I explained that I sent the dispute letter via certified mail and its not my fault that they misplaced my disputed letter. By law they have to remove everything I needed to dispute. Its their fault that they were irresponsible in misplacing my dispute letter. Please help, Im trying to better my life, after a hard year in XXXX. Thanks in advance.. 

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 2020-05-08 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: NV

Complaint narrative:
Second request.. these are not my 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 2020-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. XXXX XXXX XXXX is reporting false information that is negatively affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
Second request.. these are not my 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 2020-05-08 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: NV

Complaint narrative:
Second request.. these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit cards department has been continuously discriminating against me based on my race and racial origin. they have insulted me multiple times and have refused to answer my complaints and investigate my charges of fraud against citibank, in the latest instances, citibank has posted two charges, of XXXX $ each, with posting dates of XX/XX/XXXX and XX/XX/XXXX of XXXX, both with transaction date of XX/XX/XXXX. Both charges are fraudulent, both have the same reference number, XXXX XXXX both charges are duplicate and triplicate charges of a charge posted to my account in XX/XX/XXXX. 

However, citibank refuses to acknowledge this and they retaliate against me for previously complaining against them to Consumer Financial Protection Bureau and raising the issue of Citibank 's XXXX discrimination against me. 
Please invesitigate Citibank. They are violating Federal fair Credit Act and anti-discrimination statutes. 
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 monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I initiated a transfer to my external banking account on XX/XX/2020. I've called multiple times to see when my transfer will be processed but I keep getting the run around. I was told it will take up to 5 days to process. I called on the fifth day and they told me the days did not include the weekends. I called again two days later and was told that the transfer would process later that day. It is now two days later and my money is still " processing ''. They have been holding my money for 9 days now!!! Including weekends! I have rent to pay and children to care for, that is ALL of my money! I need it XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Letters were sent to both XXXX  and Transunion to dispute items on my credit report. Letter 1 also included a letter to XXXX after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX XXXX  has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

Transunion 's only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

Equifax removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.

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