vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Resource Systems, Inc
State: OK

Complaint narrative:
I found this information in my credit report but was not notified via mail phone or otherwise. I am currently on XXXX and can not pay all at once it is for {$100.00} for XXXX XXXX  which my insurance paid them XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
The company is illegally charging my small business checking account with an " analysis service fee '' - which is all over XXXX from other angry customers. I never asked for the special service - a laughably outdated mail advice when a deposit is received. Who would pay {$22.00} to receive a letter by snail mail in the digital age? Multiple requests via phone and email have resulted in them telling me it has to be resolved in the branch. I have visited two different branches and yet the fees continue. This company must be held to account for illegal billing practices and obstinance in correcting the situation.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: OH

Complaint narrative:
The company has not validated the debt as required by law. I have not received my right to dispute the debt or received anything that validates this debt or the account that was reported.

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 2019-11-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have disputed with Medical Data Systems. I have asked them to REMOVE the accounts they have on my credit file because LEGALLY they do not have the right to collect on them. 

I received a letter from MEDICAL DATA SYSTEMS saying they no longer have ownership of these accounts, yet they are still reporting on my credit file. 

I have attached a copy of the credit report where they are shown to be reporting, as well as the letter they sent me saying they no longer own the account. 

I WANT THESE ACCOUNTS FOR MEDICAL DATA SYSTEMS DELETED FROM MY CREDIT FILE IMMEDIATELY! 

I AM PREPARED TO CONTACT THE ATTORNEY GENERAL IS NEEDED AS WELL AS TAKE THIS COMPANY TO COURT BY FILING A LAWSUIT TO SUE FOR THE ILLEGAL PRACTICES THAT INVOLVE MY NAME AND SOCIAL SECURITY NUMBER.

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 2019-11-21 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OK

Complaint narrative:
I never got notice of this just found on my credit report it is for {$120.00} fir some electric company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
This information was found on my credit report and I was never even notified of it. I want this to be removed it is for {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019 I initiated a withdrawal from my PayPal account in the amount of XXXX. PayPal limited and decided to close my account permanently. They told me they are going to hold {$3800.00} for over 180 days. These are valid funds from a company called XXXX. They gave no reason why they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, my identity was stolen, and the offender was able to open several accounts. Most accounts were not opened as the requested identifying information could not be supplied. In order to prevent further mayhem, I requested a credit freeze from the three major reporting agencies. I was successful in freezing my credit with XXXX  and XXXX. 

My complaint stems from the process offered by Experian. I am not able to freeze my credit online or over the phone with Experian. They will only complete my request if I submit a letter that contains my : 1. Full Name ; 2. Date of Birth ; 3. Social Security Number ; 4. Current Address ; 5. Previous Address ; 6. Copy of Government issued ID ; and 7. Copy of a utility bill, lease/deed, bank statement showing my current address.

The envelope that contains ALL of the information that any nefarious individual needs to impersonate me and apply and open accounts illegally must also be addressed to " Experian Security Freeze. '' I can think of no better clue than what this envelope may contain within its folds. 

Experian 's credit freeze practice puts my personal information at further risk. I have attempted to freeze the credit both online and over the phone, but my attempts were denied. 

I am also concerned with how Experian will further protect the additional information I must provide them. Should I be expecting a return envelope containing the shredded remains of the photocopies of my ID and utility bill? Do they have a right to keep a copy of my ID? I was unable to find full disclosure of what they would do with these documents once they received 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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL

Complaint narrative:
My loan was in default initially, XXXX and now shwoing XXXX, I'm XXXX years old making XXXX this year, all of a sudden I am getting these high payments and my credit score was destroyed. I was having my taxes garnished every year as payment and i was ok with that but now i dont know what to do. 
XXXX XXXX  Last reported XX/XX/XXXX {$77000.00} Reported balance Highest balance {$16000.00} You've paid off -382 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$16000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 11 mos ) Term 360 months ( 30 years ) PAYMENT HISTORY You've made 22 % of payments on time Payment status 120-149 Days Late Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Open Type Education loan Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 0/1/6 CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX See a mistake? You have a right to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-11-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: First Data Corporation
State: IL

Complaint narrative:
First Data was charging me a fee to process Credit Card Payments fort my Music Store. In XX/XX/2019, I decided to cancel their service and no longer use them. 

The account, I was told was closed. However, after receiving my monthly bank statements, I noticed right away that I was still be charged for their service. 

I called a second time to resolve the matter and the customer service refused to stop the charges because I did not know to the exact penny what last Monthly charge was. 

It is now XX/XX/2019 and I am uncertain as to wether or not First Data will continue to charge the monthly service fee. I was urged to seek out the assistance from the CFPB.

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 2019-11-21 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: NY

Complaint narrative:
Not my 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 non-monetary relief
Consumer complaint received 2019-11-21 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-21 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a puchase with Lowe 's on XX/XX/XXXX in the original amount of {$1400.00} on an 18-month, 0 % interest promotion. My credit card is set to have all payments allocated to promotional balances, first. Steadily, since that purchase, every payment I've made has been well in excess of {$200.00}, and lately, closer to {$350.00}. {$140.00} of my payment ( approximately ) is first paid to a fixed payment purchase I made earlier in the year. The rest of my payments should go to the promotional balances. On XX/XX/XXXX, this promotion balance ended and I was charged over {$700.00} in interest. When I contacted Lowes on  XX/XX/XXXX, they stated I still had a balance owed on that promotion of {$1100.00}. I requested a review of how each payment I had made since the promotional purchase was applied to my balance. The chat representative said that he could give me the payment allocation over chat, but would not be able to send them to be in the mail or e-mail claiming " security reasons '' for why he couldn't send it via either of those methods.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I requested my credit report from this website and it faulted. I did not get my credit reports as I requested.

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 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
<This is not a duplicate complaint> Dear Paypal, it is important to note that this Complaint involves an account that is in my name : XXXX XXXX ... Please send my funds by US-check. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I've been receiving repeated calls at my place of employment from these people at these telephone numbers : XXXX XXXX at ( XXXX ) XXXX and an unknown male at ( XXXX ) XXXX. Both have been advised by my employer that they are calling my place of work and that it is not appropriate for them to do so but they continue to call anyway. My first notification of such calls came by email from my boss ' assistant on XX/XX/19 and the second on XX/XX/19. On XX/XX/19 in the space of a two-hour period I received a series of calls at my direct line at my desk from the XXXX number as well as these additional numbers which I can only surmise are robocalls : ( XXXX ) XXXX ; ( XXXX ) XXXX : ( XXXX ) XXXX ; and ( XXXX ) XXXX. This all occurred despite my employer specifically saying to the callers at the XXXX and XXXX numbers that it is not appropriate for them to call me at work about personal matters. Based on a XXXX search, I believe the calls are originating from XXXX XXXX on behalf of American Express. I have attached the email thread from my boss ' assistant to me on each date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 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: AL

Complaint narrative:
The XXXX XXXX acount that is on my Experian report was to be removed as it was a fraudulent account. and I was found not responsible and to have it removed from all three credit beaures.

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 2019-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
A unprofessional, who thinks he is an alpha male came from up north to do my loan, he doesn't have much of personality and was condescending, thinks women are below him. I was suppose to be able to re-do the loan to lower payments which I have tried to speak to someone about this and I just get the runaround and never get to speak to anyone. I feel that I've been taken advantage of and or discriminated against to say the least. I make my payment every month on time and I've lost one of my incomes and have been trying to get this loan re-done to lower the payment but I just keep getting transferred and never to anyone that can help. Ameris is very unprofessional and discriminating against females.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: VA

Complaint narrative:
I inherited 4 CD IRA accounts in Apple Bank of NY. I have sent all the pertinent information to the bank such as a letter of administration, death certificate, etc. I am trying to transfer an inherited IRA to my brokerage account. The bank apparently requires a semi-annual statement to initiate this transfer. I asked the bank to send me the last such statement but they refused ; they said to wait when they issue this statement. 

This back and forth has been ongoing since late XX/XX/XXXXof this year. 

No documents are included because the bank already has the material

Company response to consumer: Closed with explanation