vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and XXXX XXXX XXXX said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
DOB incorrect in Record as of XX/XX/2019 Request investigation to tell me HOW the error occurred. Once a SSN is issued and connected with a DOB those two fields should never change. Your name may change, addresses may change but you will never be born again physically. Equifax insists th

at I fax proof of identity to correct the record, exposing my Driver 's License and SSN card again. Their assertion that a data provider pushed a DOB to my record ( my Dad 's DOB ) and that Equifax is not responsible is absurd. That field should not be allowed to be changed by any data reporting provider and certainly not by a simple name match.I am a " Jr '' and am told this happens quite frequently with JR,!!,!!!, etc. It should NOT! Ever. Then to put the burden on a citizen to prove themselves rather to checking for the Equifax error only adds insult to injury.

Both other credit bureaus XXXX and XXXX  have the correct DOB on my record today. I really hope that this misinformation does not corrupt their record as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Someone who mumbles his name ( XXXX XXXX ) has called multiple times ( over 20 ) from XX/XX/2019 to present day XX/XX/2019. He leaves a call back number XXXX and a reference number : XXXX I have three saved messages from this guy and over 20 calls with no messages.

this person is now calling my relatives as of XXXX XXXX, 2019. This person claims to be representing American Express. The American express company and I completed our business over three years ago with in their view : me not paying them what they claim I owe.

I am not disputing or wanting you to address the claimed owed. It has been settled and this collector is abusing with phone calls ( first one I told him live over the phone I am not interested in re-opening this dispute, it is closed and to STOP calling. 

I have noticed XXXX XXXX calls from multiple numbers all beginning with XXXX.xxxx He claims to be with American Express XXXX American Express has written off the account balance and I have not heard from them in two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I moved out the XXXX  in XX/XX/2018 through XXXX which was residents manager. I have the letter of her accommodating my request. My request way due to harassment by neighbors and the account manager XXXX. I'm a veteran that is XXXX XXXX XXXX and XXXX from the Military and behavior like I received from the XXXX  was not expected. However I did have damage to a door in the apartment and me and XXXX discussed the door then printed out my renters insurance so it can cover it. One month later after XXXX ( apartment manager ) transferred from the apartments, XXXX emailed me a bill stating I owe the apartments. After numerous times of Calling and emailing trying to resolve this issue I got noting. I've tried disputing with the IQData international which is the debt people that took over in XXXX after I noticed it was in my credit report. 
I reached out to iq data international and they were rude he wanted me to pay more then I saw on my credit report. I've tried to settle this many times. He was demeaning towards me being very abrasive towards me. Aggravated my XXXX and XXXX. Due to this unforeseen matter it lead me to be homeless for several months had to reach out to the VA, it leads me to denial after denial. I've done my due diligence to the my country and the XXXX. I've attempted many times again to resolve this before it reached my credit report. I request that this be removed because not only because I'm still not stable but this is impacting my health also. I've been to therapy on many occasions because of this matter. I seek resolve immediately so that I can start my life back on track mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address

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 2019-11-20 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I opened an investment account with Merrill Edge tied to my Bank of America checking account in XXXX or XXXX. At one point in XXXX I opened a margin account with the existing funds using the Merrill Edge website online. I later closed this margin account on the online website but noticed a few months later that it was still open with a XXXX cent loss. In XXXX of XXXX I called Merrill Edge customer service and told them I had closed the account. The customer service representative assured me while I was on the phone with him that the margin account will be closed that day and that the XXXX cent debt will be erased. In XXXX of XXXX I went to withdraw some funds from my Merrill Edge account and it showed the margin account was still active with an approximate {$500.00} loss. I called the customer service department and I was informed that the margin account was active and that I owe them for the loss. I explained that I had closed the margin account a year earlier. They refuse to give me my funds with no explanation as to why. 

In my complaint I have included two correspondences from Merrill Edge to myself. One is an apology from them to me for their failure to close the margin account per my request in XXXX and failure to provide me a copy of the transcript of that phone call. The other correspondence shows the amounts they debited from my account because of their failure to close the account per my request.

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 2019-11-20 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: MN

Complaint narrative:
There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : XXXX XXXX XXXX XXXX '' dated XX/XX/2019.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I requested debt validation for account number XXXX with Portfolio Recovery. I sent my request via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX with the United States Post Office ). Portfolio Recovery received my request XX/XX/2019. 

Portfolio Recovery responded with a generic letter stating that they believe the debt is being reported accurately. However, Portfolio Recovery did not include any documentation that proves that I am the owner of this account. They did not send me anything showing how the amount they are collecting is accurate, there wasnt a contract with my signature. They did not provide me with anything proving that I am the owner of this account. 

I am pretty sure that they are violating the law. You can't just add accounts to peoples credit report with no legal proof that they are the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: DE

Complaint narrative:
Already had filed a fraud complaint on TRS Recovery Services for the malicious attempt to collect on a fraud debt from a result of fraud transactions that happened from XXXX that was not Authorized thru a closed checking account where the Checking Acct number was used online and no paper check was submitted for payment. TRS Ref # s are XXXX and XXXX and XXXX and XXXX these items were never ordered or received or Authorized and request my personal information be removed deleted from Telecheck and TRS Recovery Systems Asap since the information on files is a result of a fraud transaction.

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 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took loans out during my time at XXXX and was not informed that I would need direct loans to qualify for public service forgiveness. My balance has been XXXX for going on 20 years and I only borrowed XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Received a call from a company called " Medical Revenue Collections '' at Number XXXX. I was unaware that I owed a debt, so I called the institute, XXXX XXXX XXXX XXXX in XXXX XXXX, AL to ask. I DO owe a debt, but the collectors they use are " XXXX XXXX '' at XXXX. I feel these people are trying to falsely collect my debt. When I told the lady I contacted the institute where I received service and they told me where to go, she got very rude, and told me " well, you had better watch your credit then! ''

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 2019-11-20 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: AES/PHEAA
State: MD

Complaint narrative:
On XXXX XXXX Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was at a bar in XXXX where a gentleman offered me a free beer. They then told me a woman I was speaking to at the bar was an entertainer and I owed XXXX euros for her service, none of which was agreed to. Initially the charge came through as fraud and declined but when none of my cards were going through due to fraud a man took my passport and wallet and phone and threatened me with physical violence. If I didnt pay I would get hurt. They forged my signature. Chase initially reported it as fraud and gave me a new card then changed it to a dispute and denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On William D Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I was a victim of identity theft. Earlier this year I received notice of a debt from XXXX for {$490.00} for unauthorized cable service which I was notified by mail and an a alert from my credit report of this debt. I reached out to XXXX fraud department and disputed this bill back in late summer XXXX ; XXXX said they show a new service was established in Connecticut in my name, I reside in XXXX Michigan, and I never had XXXX I always had XXXX. XXXX instructed me to go on their website ( XXXX ) and fill out form and provide documents which show I lived in XXXX from XX/XX/XXXX thru XX/XX/XXXX and I sent them copies off all of my utility bills from around that time frame which shows I always lived in XXXX. Everytime I send them all of the bills I had they kept denying my claim saying my information was insufficient? Well I sent what they asked me all of my bills I pay online so some utility bills are archived off their system after awhile but nevertheless I sent them as many bills to show I lived in XXXX around that time frame and I told them I never had XXXX. I sent them copy of my drivers license which show my address and I initiated a fraud claim with them and the ticket # XXXX was issued by XXXX. The next thing I knew they sent the debt to collections and the company who has it now is Sunrise Credit Services on acct # XXXX. I contacted them and explained I was a victim of identity theft and I had disputed it with XXXX ; they said they will investigate and to no avail they sent this debt again to my credit report. I opened a dispute with the credit bureau XXXX  on report # XXXX and they said they will follow-up with Sunrise Credit and again I got notification from XXXX after their follow-up Sunrise told them this debt is valid. It maybe valid but its not mine? I am trying to get this debt removed from my credit report so this negative rating is removed ; but XXXX   recommend I file a dispute with you to see if you could help me with this fraudulent debt. I have advised XXXX  to extend fraud alerts on my credit reports ; Sunrise obviously is not trying to help me and XXXX is a joke. Please advise me what other options I have to get this debt off my credit report. I need your HELP!

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 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I bought my car XX/XX/XXXX. Everything was fine after that. A year into my loan I was being charged extra fees I had no idea about. Welk that stopped after I complained and fast forward until now. I called XX/XX/XXXX and was told I owe a whole payment but was never told for what month after several and several times asking. XX/XX/XXXX I looked at my XXXX  XXXX  app and saw where my interest rate is 19.38 percent. But my paperwork says 18.00 percent. I called the finance company and they had no answers for me what so ever. But another year was added to payoff. My loan is only for 6 years and that is until XXXX. I cant get answers out of anyone. The finance company is Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Collectibles Management Resources
State: CA

Complaint narrative:
This creditor is trying to collect for a account from the year 1995 and is still trying to resue me and has stated that they have proper response to serving me the acct info and that isn't true because I have never received any paperwork on this acct. Then they company is changing the name Everytime they re-enter the judgement against me in the court order totally different court case numbers.

Company response to consumer: Closed with non-monetary relief