vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I contacted  XXXX  and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter   XXXX   Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke   to the collection agency and explained to them that this debt was acquired by my dad who passed away in  XXXX   XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in  XXXX  and I was only  XXXX   yea  rs old.  Also my name is  XXXX   XXXX   XXXX  and my fathers name is  XXXX   XXXX   XXXX . My SSN starts with  XXXX  and my dad 's SSN starts with  XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.

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 2017-05-15 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Previous complaint resulted in case #  XXXX  and is closed but not resolved.     This  XXXX  account was opened on  XXXX / XXXX / 12  under my ex-wife 's name and address, but using my last  XXXX  SSN digits. There were {$280.00} charged in unreturned equipment, and {$100.00} in 'other ' charges ( service ). She called a few weeks ago, confirmed that this is her responsibility, and said she paid the {$100.00} and is making arrangements for the remaining amount. However, this is still showing as a collections account on my  XXXX  report and needs to be removed.     What do I need to do to have this account 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 2017-05-15 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: FL

Complaint narrative:
CRA  continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
XXXX  reports my acct past due, this is inaccurate i get no reply from  XXXX  the credit agencies are ignoring my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: NJ

Complaint narrative:
disputed errors on reports with all bureaus with no success

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 2017-05-15 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:
CRA continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of  XXXX  but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

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 2017-05-15 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:
This account is fraudulent and they will not delete the trade line even though its been disputed twice and the original creditor acknowledges they have no knowledge of account.

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 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
In  XXXX  of  201  7, when attempting to purchase a car, I learned that Orion Management Group, purchased an old debt, original cr editor,  XXXX   XXXX , in  XXXX   2017 . Initially, I was not sure w ho Orion w as, it just appeared on my credit as a debt of over  8000.00 do lla rs ( incorrect amount and over the amount of original debt ). I did a   XXXX   search on Orion a nd called them on  XXXX   XXXX ,  2017-the office  was closed. However, this is when the harassing phone calls began as they retrieved my number from caller ID when I called them on  XXXX   XXXX ,  2017  in an attempt to gather more information.     Since  XXXX   XXXX ,  2017 , I have received multiple calls stating that they have attempted to serve me with Court papers and if I don not respond I will possibly get arrested-each time this call has transpired I have actually been home and no one has showed up with Court papers.     Today,  XXXX   XXXX ,  2017 , I received a call as well as my mom, stating our property is in jeopardy and we MUST respond or it will be transferred to local jurisdiction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire 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 monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I recently pulled a copy of my credit report and noticed an unfamiliar company listed under collection so I disputed it with credit bureau and they send me a letter saying it was verified to be mine. I do n't have or recall even signing a contract with a company by the name listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Saturday morning around   XXXX   XXXX  , I went to the Chase Bank #  XXXX  on  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas to try to open an savings account. I was received by the Teller I asked her nicely that I wanted to open an savings account and she kindly said I needed two forms of identification, which I had at the moment my current Texas  Driver License  and Social Security card. She never mentioned that I needed other forms of identification. Few minutes later, the  manager, he could do for me : I explained I needed to open an savings account for the amount of {$820.00}, without him asking me I set both identification cards on his desk. Then he asked me for my legal status if I was citizen or a resident. I told him that no one disclosed that I would need my legal status in order to open an account and that at other institutions I was only asked to give my  two forms of identification that I mentioned earlier. I feel that is a racial issue and stigma towards me. I told him that " I felt discriminated '', and he rudely told me " no one has ever said anything like that ''. Regardless of the banks policies, I felt that two  forms of ID were enough for me to open an account with them. I feel that my civil rights were violated by this man. I strongly do not feel he should be in charge to represent as  the manager of this   outstanding bank or any bank institution. The teller never told me I needed my citizenship or resident alien card. I do n't feel that my legal status define me as a person with a lot of money or no money at all for him to treat me this way. I would want people to know so that it wo n't happen to them. Th e manager in   the Saturday morning shift. He rejected me with all possible intention. I spoke   XXXX   to him in all conversation because I felt comfortable speaking in our native language and that is how I initially asked, he never thought that I spoke   XXXX   to begin with. How was he able to define my legal status? By my appearance? I am very disappointed. Am I to bring my citizenship card to open my account? Saturday morning  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: NC

Complaint narrative:
A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MI

Complaint narrative:
REPORTING DEBT THATS NOT AUTHORIZED OR VALIDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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:
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to Experian as erroneous information and violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 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: FL

Complaint narrative:
I check my reports ever month. This month my Transunion report dropped me from a score  XXXX  to  XXXX . All the factors such as debt used, payment history, new inquiries, etc. were the same as last month. I spent over an hour on the phone with several people at the agency but got nowhere. The say they have different information and score but wo n't tell me any of it unless I subscribe to a {$9.00} monthly service. They can not tell me why they dropped my score by  XXXX  points and my factors changed this month or which ones did. Bu contrast  XXXX  has the same info and a score for the last year and still this month of  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