vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

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 2017-11-24 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: VA

Complaint narrative:
When I was abroad, I bought bus tickets using my credit card and manually input my name in their system. They assigned me seat numbers and printed my name on the ticket as you can see on the documented tickets that I 've provided ( Original1 and Original 2 ). 

I did not bring my ticket the next day, but thought it would be fine since they had it in the system. However, the company refused to print me out my other ticket and forced me to buy another, as the bus was leaving at that moment - as shown in the next provided document ( Ticket 2 ). 

When explaining this to my credit card company Chase, they not only had difficulty finding my charge on multiple occasions, but when they refused to contact the merchant to dispute the case. Furthermore the first representative said that I 'd be mailed something, but nothing ever came. The second representative said that the case was already closed and then reexamined the case, but merely agreed with the first rep 's conclusions. 

The travel industry is such that when personal information is used to identify a passenger along with a credit card number AND the information is stored within the network, companies have the ability to print out an additional ticket. Therefore I was essentially charged twice ( and the second time there was a higher charge ) for the same product. 

I then requested to speak to a customer service representative to see what options were to cancel my card as I was getting frustrated. The customer service representative, in an effort to salvage the relationship, then connected me back to the disputes department. I did not have any further time to discuss this issue, as I had been on the phone ( back and forth ) for over an hour and finally decided to write to the CFPB. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-24 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX at approximately XXXX pm I went to XXXX XXXX XXXX ATM. I requested XXXX dollars from my American express sever account. The ATM started processing my request. The machine made sounds of counting the money. And the screen stated " please take your cash '' but no cash was there to take it continue to make the same noises of counting cash and after a minute the machine stated this transaction has been cancelled and no money was given. No receipt was given and the machine went back to the original setting. So I accessed my account via my mobile app to check my balance and it shown the XXXX withdraw. I tried to access my balance using the ATM and it would not give me a balance. I tried accessing another transaction and was not successful. As I was at the machine I called American express and spoke to a representative they filed a dispute of the transaction and told me I would get a second email in approximately 24 to 48 hours requesting additional information. On Monday XXXX/XXXX/XXXX I called the Branch spoke to XXXX the XXXX XXXX who informed me that he could not give me any information concerning the ATM. And I need to file my dispute with my bank ( American Express ). On XXXX/XXXX/XXXX at XXXX pm I received an 2nd email from American express with the dispute form and instruction on responding through an encrypted email. I followed the instructions and responded back to them. On XXXX/XXXX/XXXX at XXXX I received a Email from American express that the completed the review and determined no credit was due. And the ATM provider confirmed the funds were dispensed and if I wanted a copy of the documents that was used I need to contact them ( American express ) I called them on XXXX/XXXX/XXXX at approximately XXXX am. I requested the documents and also requested to reopen my dispute. I never received those documents but they did reopen my dispute. I received the open dispute email on XXXX/XXXX/XXXX at XXXX am. I received an email on XXXX/XXXX/XXXX atXXXX am stating that they are in the process of reviewing my claim and if they need additional information the will contact me. On XXXX/XXXX/XXXX at XXXX stating they completed there investigation of our dispute. But in the email it states that they sent me an email on XXXX/XXXX/XXXX and we requested additional information within a specified time frame and you did not submit it and they need additional time to complete their investigation which can take up to an additional 30 days. I called American Express spoke to a representative and he explained nothing just that he was documenting all of this and would be sending this to the dispute team via email. I requested once again for the documents showing I got the money. He stated he would make the request also. He also stated that my dispute was still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The account balance is incorrect and the payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 've had been a victim of transunion inquiry issue. I have called them to try and remove items but customer service did not help. 

Here are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-11-24 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: TX

Complaint narrative:
The account balance is incorrect and the payment history is incorrect.

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 2017-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account balance is incorrect and the payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account balance is incorrect and the payment history is incorrect.

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 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I contacted this collections agency back in XXXX regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: SC

Complaint narrative:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}

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 explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have verified all three of our trial payments were made and cleared. However, we are unsatisfied with the new payment ( {$1400.00} ) and will refuse the new terms because they include money ( {$880.00} P & I ) for escrow ; ( {$600.00} ) that is not required at this time. My taxes are under a  XXXX exemption, therefore payments for taxes were returned. A representative of Nationstar/Mr. Cooper stated that it is not the responsibility of the mortgage company to question why the taxing authority keeps returning payments. In the meantime I have sent proof of my exemption numerous times over the past several years, just to be told that we have then they do not have it. This information is being sent to the CFPB for response and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 2017-11-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 2017-11-24 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: TX

Complaint narrative:
EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION

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 2017-11-24 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: FL

Complaint narrative:
Every month for the past two years I contacted Equifax to ensure my credit information was correct. 

Every year I pull my credit report, and again during the year if denied credit for whatever reason. Every time I am denied or charged higher fees it is due to the falsely documented information provided by Equifax.
Since their multiple breeches I now call every two weeks or each time I get an alert on my credit monitoring account. 

I immediately informed them that my addresses were incorrect. I told the agent what my correct information was and she intentionally typed a combination of addresses on my report and submitted it as my current address. When I heard her repeat misinformation I corrected her again and she in turn tried to hurry me off the phone. 

I called back to complain about what happened it appeared same woman got on the phone posing as a supervisor. My addresses were never corrected and they refuse to do so. They stated the info comes from creditor reporting but that is false for no creditor has a record of my addresses being what Equifax intentionally submitted. 

I just spoke with them again this past Tuesday to resolve the matter and once again they refused. I informed them it is illegal to falsify an individual 's credit information and even worse when a credit bureau worker is the one doing the false documentation. I also informed them that I will be reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.

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 2017-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Payment was made via phone processing Allegedly there was a delay in process The mortgage company reported my payment 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief