vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been 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 2018-06-18 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection has been reporting 4 bad collection debts to my XXXX  credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TX

Complaint narrative:
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX XXXX XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXXand paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ XXXX of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.

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 2018-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.

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 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
walmart decreased the limit without any waring then closed the account i reached out to walmart and stated that since you decreased my limit and closed my account without any warning my account is PAID in full please leave it close and remove it from all 3 major bureau i was told Yes then sent a letter stating that was incorrect information. I would like Walmart removed from my 3 major credit bureaus

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 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid.

I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have been paying bill for several months and when I looked at my credit score,  Overton, Russell and Doer filed a credit complaint with one of the three credit reporting agencies. It said I owed XXXX $ which I do not owe. I received a letter ( attached ) that my insurance information had been hacked from XXXX XXXX. I called to notify Overton Russell and Doer ( ord ) but no one got back to me. My credit score went from XXXX to XXXX overnight. I need help with this communication snafuu. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a block on my credit files with Experian, XXXX and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

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 2018-06-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have tried numerous times to provide maturity instructions for my CD 's with TIAA Bank. I want my CD 's closed at maturity and a check mailed to me at maturity, which should not incur any kind of fees. However, TIAA will not accept maturity instructions, only giving me the option of having the CD 's paid out early and charging me an early withdrawal fee or automatically renewing the CD 's for another term with TIAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received my first bill From Pro Collect saying I owed XXXX. I received another bill on XX/XX/XXXX with a due bal. of XXXX. I started making payments, of XXXX a month regularly, Pro Collect continued to call harassing me saying I refused to pay my debt which is not true. On XX/XX/XXXX I received another statement saying I owed XXXX. I continued to pay the XXXX. I called them in XX/XX/XXXX and asked what the pay off was and was told XXXX which I paid on XX/XX/XXXX. On XX/XX/XXXX I faxed them the documentation that I had paid them in full. Today XX/XX/XXXX I received a call and letter say I still owe XXXX. I told them I have documentation that I have paid them in full and they say I still owe. When I requested a full accounting of all payment they said they don't do will not do that. I have money order receipts totaling XXXX paid to 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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: NY

Complaint narrative:
Shameful business practices and customer service. For the past six months I have been trying to pay my mortgage on time and within their grace period, and every month their website mortgage login system is not functioning. When I call them or email them to correct the issue ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) they claim they are updating their website. Paying through there automated phone system is just as bad as it does not register the account number that I input over the phone. All of this has resulted in late fee charges of over {$80.00} that are a result of their systems! With no appeal or arbitration system in place, they expect me to pay the late fees without question. With no information as to how and when they will fix the issue, I remain in constant fear they will continue to add late fees without justification. More than 30 other MB Financial customers have experienced similar problems with their customer service and practices as you can see by the link. ( XXXX XXXX XXXX XXXX ). Thank you for taking the time to review my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 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: TN

Complaint narrative:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: TN

Complaint narrative:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.

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 2018-06-18 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. Debt Recovery Solutions is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TX

Complaint narrative:
XXXX and Equifax are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TN

Complaint narrative:
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXXk- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: TN

Complaint narrative:
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXX- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.

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 2018-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have a Capital One credit card I applied for a credit increase I was told I would get a letter in 12 day which I did today XX/XX/XXXX. Letter stated I was DENIED credit increase at this time. I stated a list of general reasons why it could be denied and not a one related to me so I called capital one I was transferred to one after another until finally the person said I was denied because of a late payment I ASKED WHEN WAS I EVER LATE THEY TOLD ME IN XX/XX/2018 I HAVE NEVER BEEN LATE AT ALL I HAVE ONLY HAD THIS CARD FOR 8 MONTHS BECAUSE I WANTED TO BUILD MY CREDIT RATING UP. I HAVE PAID ON TIME I HAVE PAIDED THE BALANCE ALMOST OFF EACH TIME SO IM VERY AWARE I WOULD NOT BE LATE I ASKED FOR A SUPERVISOR I GOT ANOTHER RUN AROUND THEN ON HOLD FOR 15 MIN. he KEEP SAYING IT WAS LATE SORRY CANT HELP YOU TRY AGAIN NEXT MONTH, I asked for someone else he said there is no one else that can help. I'm so angry with Capital one for putting me late when I know I was never one late. Im thinking to bring this to a lawyer and to count for miss representing my file / I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a block on my credit files with XXXX, Transunion and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report 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