vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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: FL

Complaint narrative:
I have repeatedly requested and/or demanded that TransUnion XXXX remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.

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 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Inc.
State: TX

Complaint narrative:
My oldest child XXXX XXXX was in a significant accident on XX/XX/2016. She was taken to XXXX 's hospital because of the severity of the injury and kept overnight with emergency XXXX the next morning. The accident occurred in a gymnastics center in the area. Not only did XXXX have medical insurance and coverage supplied through her father 's employer she also had additional coverage for catastrophe by XXXX XXXX XXXX. I have been constantly harrassed about a bill from this medical group because they did not file as requested by both my husband and my self for the additional coverage. I have documentation of all correspondence with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. This company is fraudantly trying to ruin my credit by insisting that I pay them money they have already been paid and that I do not owe as insurance covered all expenses in full. XXXX XXXX XXXX turned this into collections and it in no way has anything to do with me! Again, simple solution they are covered in full, XXXX XXXX XXXX has copies of the bills and correspondence was that if XXXX XXXX provided them with the specific itemized bill it would be paid. Companies like this collection agency should not be allowed to exist when they have complete control over getting paid. This is harrassment to attack my credit report, continue to call my phone etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
ALLY FINANCIAL finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH XXXX REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]

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 2018-07-26 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: FL

Complaint narrative:
I have repeatedly requested and/or demanded that Experian and Experian XXXX and their subsidiaries and consumer reporting arms remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.

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 2018-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several certified letters to XXXX, Equifax, XXXX   and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to XXXX, Equifax, XXXX and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: TX

Complaint narrative:
On XX/XX/2018 Equifax has responded to my previous complaints, that they require me to send a copy of my drivers licence and social security card before they will make the needed correction to my file with them. I have provided them proof I owe nothing on this XXXX/XXXX collection item, more than 6 times. Now suddenly, they require ID to proceed any further. I have repeatedly proven amply who I am by all of the normal ways used by them and all other CRA 's. I question why Equifax is stalling me on removing this false collection claim from my record with them, as soon as I gave the XXXX balance in voice to the other CRA 's, they quickly deleted all record of the collection from my files with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: PA

Complaint narrative:
I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: SC

Complaint narrative:
They have one account saying that I owe the wrong amount for the most recent loan. On the oldest loan I have with them I paid the loan off and they say it is a collection and it should not be listed as a collection. I want the items removed from my report as they are inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc.
State: OR

Complaint narrative:
This complaint is about account control technology inc. In XXXX   XXXX california they are the loan servicer on my student loans to start off there's a guy named XXXX who called me 15 times a day while at work and home he was relentless to the point I shut  my phone off these people are suppose to help me not harass me I asked for a loan discharge do to the fact I didn't have a XXXX  they say I checked the box that said I did I went into my account and I didn't check that box now they locked me out of my account I also told them when I went to school to become a XXXX XXXX worker I was not able to benefit from these classes cause I was told you can not work for XXXX XXXX   with XXXX   XXXX I have XXXX witch automatically puts me in disqualifying status that me the borrow could not meet because of the legal requirements required by the job the loan servicer didn't care and will not help me I asked for a full review of my student financial aid account from top to bottom they say I owe XXXX plus interest XXXX is the total they took a tax return for XXXX XXXX bucks that does not show they took I went to school for a short peiriod XX/XX/XXXX to XX/XX/XXXX So not for very long I stopped going because there was no way for me to benefit with XXXX XXXX XXXX plus no XXXX  the total time spent out of those dates at school was a short peiriod that's why I asked for a full review of my account immediately plus the XXXX XXXX tax return that doesn't show in the balance plz help me get this stopped or at least help me get a full review or loan discharge for false certification for disqualifying status because of my XXXX XXXX witch the school knew about but never told me i couldnt become a XXXX XXXX   worker they also knew i didnt have a XXXX so now they have attached my wages I can barely afford to feed my children plz help me I'm a single mother barely hanging on I'm so stressed out over this it's created a financial hard ship I don't know what to do I'm at the end of my rope with XXXX so bad I can't sleep eat barely make it to work these loan servicer are not out to help me there out to sink me and my children please help me thanks for your consideration I don't know what to do sincerely lost hope.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Department of Ed/Navient Navient Solutions Sep of Ed/XXXX/XXXX Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened. 
This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX   Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened.

This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED

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 2018-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent several certified letters to Transunion, XXXX, XXXX and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to Transunion, XXXX, XXXX   and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: AE

Complaint narrative:
I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. 

When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. 

Complete 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 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I found checks being deposited or cashed somewhere written to my and I did not cash them I don't know where when or if they we're cashed but my I'd was also stolen

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 2018-07-26 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Motor Credit for a second time now has failed to update my mailing address and provide me with paper bills for a car loan taken out several years ago. 

My account number is XXXX. 

As a result of their inability to update my mailing address after having made requests by phone on XXXX separate occasions I was not notified of a missed payment associated with my auto loan and was unable to rectify and make the payment due to having never received any type of bill or late notice. Ford Credit has not reported two, 30-Day late notices to my credit report which are extremely damaging in both my personal and business. I have contacted them requesting good will and again requeste that my address be updated but did not have any success as it relates to their reporting of late payments. 

Furthermore, on a statement dated XX/XX/2018 it reads : returned payment received. Indicating that my XX/XX/XXXX payment was processed. Since than I have received no other notices. On XX/XX/2018 my payment due XX/XX/2018 was marked 30 days past due and was immediately reported to the Credit Reporting Agencies. 

Ford Credit has been unreasonable in their dealings and has taken no responsibility for their failure to issue me a paper bill or written notices which I am entitled to as an account holder. They have been extremely timely in their reporting of missed payment to the Credit Reporting Agencies but to date have not provided me with one bill or piece of mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
They are reporting an account that I am unfamiliar with. I have written in and requested information, they say my request are duplicated but still have answered the original request for information. This is not my account, and I am not sure why they are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is incorrectly displaying my balance. The math by Discover dos not add up. 

Last Statement Balance = {$850.00} Posted Transactions = {$0.00} Payments and Credits = {$0.00} Current Balance = {$1100.00} Please do the math. {$850.00} + XXXX = {$850.00}. It does not equal {$1100.00} Additionally, there is Pending Transactions of {$56.00}. Even if those the Pending Transactions are included in the Current Balance the balance would still be off by {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have reached out to this company about their reporting, and given information on why this account is inaccurate. However, they continue to report and have not provided information about why this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. 

Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX   services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed an unathorized charge on my JP Morgan Chase checking account for {$630.00}. Weeks later the provisional credit was reversed stating that I authorized this charge and I did not. I contacted the merchant with Chase rep and they told them it was a cancelled order ; A cancelled order that I also did not authorize. The Chase rep stated they could not do anything even with the statement from the merchant. I tried to dispute this for several days with no assistance from the bank and continued denials. After two weeks If disputing Chase closed my account for no reason. A rep said that it was there decision and there was nothing that I can do. BEWARE OF JP MORGAN CHASE UNLESS YOU WANT YOUR FUNDS TO BE STOLEN!!!!!

Company response to consumer: Closed with explanation