vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: VA

Complaint narrative:
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XXXX of 2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, experian and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

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 2018-06-07 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. 

I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: KS

Complaint narrative:
i have sent 4 times by fax all of my fraud documentation, including proof of my account opened with the FTC fraud department. this company refuses to remove this account off my credit report. the refuse to send me the paperwork regarding this account, so i can file a police report. i can '' t purchase my home until this item is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit bureau is in violation of FCRA, GRAMM-LEACH-BLILEY ACT and 49 CFR 801.56 among others.

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 2018-06-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a current Chase customer with two chase credit cards. One is a Chase Freedom Card account ending in XXXX it was recently changed to XXXX and the other one is a XXXX Chase Card account ending in XXXX. Recently i was a victim of multiple non- authorized purchase because i never authorized any of those transactions. One account ending in XXXX had a total purchase for {$8300.00} and the other account ending in XXXX for a total amount of {$2700.00}. Recently i have disputed the both amounts with Chase and explained to them what happened and they submitted a claim on my behalf for both accounts. Time passed and i received a result for one of my disputes for account ending XXXX saying thank you for letting us know about the use of unauthorized use regarding your credit whichever transactions identified as unauthorized will be rapidly eliminated from the account. After receiving that letter for the account ending in XXXX i waited to hear a response for the other account ending in XXXX i never received anything. So yesterday i went to the bank and spoke with a teller and inquire about my dispute for the account ending in XXXX they personally told me that Chase will no longer be covering the unauthorized claim for the account ending in XXXX even though the dispute came in my favor for account ending XXXX. They have also mentioned to me that it was because they found out that all the purchases done from the dispute came from my home address and was advised to contact the CFPB to see what can be done about it. What i dont understand is if they claimed that all the unauthorized were done from my home address why would one Dispute be in my favor and the other wouldnt. In this complaint form i have also attached the result of one the outcome for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
My husband is approved for indigent medical care under XXXX XXXX. A division of theirs keeps calling and will not give name, but asks personal questions over the phone about who I am. I keep telling them to contact me via mail and they refuse. Their phone # XXXX in XXXX XXXX TN. They just say they are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I went to the emergency room listed on my medical insurance card. I paid my copay. About a year later I got a bill from a collection agency with limited info about what the bill was for. I called and they said it was for an ER visit about a year ago. I paid the bill with my FSA. A few days later i received an email from our payroll company questioning the validity of the charge. I called the collection agency and asked for a description of the charge to provide to my payroll company as I needed to prove it was for medical expenses. They said that I would need to obtain this information from the creditor. I have not been able to get a hold of the creditor and have been put off by everyone else involved. The debt collector said its not their responsibility to provide me with this information. This bill was for a private contractor doctor who never submitted it to my insurance or myself. I never received a bill. The first time I received anything in regards to this was from a collection agency! This seems to be unethical at best. Now my payroll company is threatening to suspend my FSA and my wife is XXXX XXXX XXXX XXXX XXXX in less than a week. I XXXX the company who sent my debt to collections and they have lots of negative reviews from other people experiencing the same problem. They never send a bill, just send people straight to collections! There is something wrong with both of these two parties and they are working together to overcharge consumers. I have spent about 2 hours  every day for a week trying to obtain a receipt from this charge to provide my payroll company proof this was a valid charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 there were attempts to call my cell phone with aggressive in nature tactics upon answering. They also called the main line of my place of employment during work hours back to back. I am not to take personal phone calls during work or production hours, and they have repeatedly contacted me this way. This jeopardizes my employment. They are aggressive and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
Northstar Location call my home twice a day for months. I have already told them the individual they seek has not lived at this address in 18 years. They still keep calling. When I attempt to call back there is no answer. When I answer often times no one is on the other end. This morning I got a name of a customer service agent named XXXX. I informed him that I had requested they not call my home anymore and that I intended to report the company to the FTC and he hung up on me. 
Some of the calls : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX., XX/XX/XXXX XXXX XXXX., XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, This has been going on everyday for at least six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I lifted my XXXX security freeze easily on the other 2 credit reporting companies. Experian did not. 

They wanted a long list of documents submitted to ESTABLISH / PROVE my permanent residence. 
I NEED THIS LIST OF DOCUMENTS THEY REQUIRE ( from memory driver 's license, utility bills etc. ) and the ADDRESS TO WHICH THEY ARE TO BE SENT. 

I believe that this issue ( which I tried to correct years ago unsuccessfully ) arose because in any attempt to correct a prior error in my credit history, they had me living at a law office as I sent a letter from the address thinking - erroneously - that someone would pay more attention. 

Then, because the law office gets its mail at a post office box ( no delivery to addresses in XXXX ), they had my address as the box office box. It's large, but not that large.

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 2018-06-07 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: TN

Complaint narrative:
I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXX XXXX account, XXXX XXXX and a jcp penny account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be homeless in 6 weeks because our credit score is  effected dramatically and we can't buy a hous or even rent

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 2018-06-07 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: MD

Complaint narrative:
Transunion Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Transunion these company didnt provide contact with my signature as anytime.

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 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. 
I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. 
XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. 
I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. 
Thank you and please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had aXXXX XXXX XXXX card from Capital One for several years. Yesterday, I was unable to use it. I called them this morning and was told there had been a questionable charge so they put a hold on my account. They had written me about that questionable charge and I responded that it was all right. They made no attempt to let me know they were still keeping a hold on my account. When I spoke to a representative this morning, she said I had to send a copy of my social security card. ( I am XXXX years old ; I lost my social security card 50 years ago, as did most people. ) I asked for an alternative ; she said there was none. I have to send them a copy of my social security number. I asked to speak to a supervisor. She put me on hold and after about 10 minutes, I was cut off. I called again and got another representative who was no more helpful than the first and offered me no alternative to sending my social security card. 

This account gives points, and I have XXXX points. I don't want to lose them. Neither representative would answer my question about the points. They say my account will remain on hold until I send them my social security card. I live in XXXX Getting a duplicate send to me and then sent to Capital One would take a couple of months. 

I am stuck. There is nothing I can do. I have to pay them what I owe them now and I don't know what will happen to my points. And I can't use the card. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: TN

Complaint narrative:
I have placed a fraud alert with all credit bureaus as of XX/XX/2018. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX on XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/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