vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 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: NY

Complaint narrative:
Inquires on report that I don't recognize.

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 2019-05-21 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:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for 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 2019-05-21 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:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for 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 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
The number has called my cell phone repeatedly and left very vague messages. Each message says " You have a message from XXXX XXXX XXXX. This is a call from a debt colletor. Please Call XXXX. Thank you. '' There is no information left as to what the debt is, who the call is for. Also, the number to call back is not the same number they are calling from. I do not have any outstanding debts. XXXX XXXX XXXX marks this as an Alert Call : Spam Risk

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the following two accounts ( XXXX XXXX XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to transunion and XXXX but they have not been of any help.please as a consumer i need you r help to have these two inaccuracies removed from my both transunion and XXXX credit file thank you

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 2019-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I refused to commit fraud at their request and my loan modification was cancelled. My son is on the deed and they requested he sign a release he did and they refused it stating it had to be in cursive, my son has always printed his name. I disputed this multiple times on phone Filed complain with OCC they referred to CFPB. I was threatened with foreclosure during the entire call. Chase said to send in copy of drivers license on XX/XX/2019 and XX/XX/2019. I was told I would receive a letter of confirmation so I could send in a copy of his license. During that call chase also stated they sent loan modification out to all and every borrower who was behind on their payments, I questioned this because I had been trying to get one for  the last three years and was denied for miscellaneous reasons. I attempted to make payment of {$230.00} several times in XXXX but it was refused finally the Executive office contacted me on XX/XX/2019. Said my modification defaulted XX/XX/2019 for failure to send in fraudulent document. She advise me I would have to bring loan current no other options. I advise her of previous conversations and I never received notice it had been cancelled but my XX/XX/2019 reduced payment amount was accepted. I told her I was not going to commit fraud. She said she would research but I would have to bring the loan current or be foreclosed upon. The reduced payments have made the loan even more delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Perfection Collection
State: FL

Complaint narrative:
this debit is not mind im a victim of idenity theft never had XXXX and they told me they removed the account now they reported to collection and they threathned to arrest me if i dont pay this fraud account

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 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes Inc ( XXXX ) left 17 voicemails ( in just the past 3 months ) and numerous other calls ( some I picked up ) from a debt collection agency, calling every week, not even for me, or debt I owe, for someone I have never even or even heard of ( " XXXX XXXX '' ).

I have been on the Do Not Call list since 2011, and have owned my phone number for over 15 years. No one else but me ever uses my phone, or number. I blocked the debt collection agency and thought the problem was solved ... 

Until today. I just found out that I've missed multiple time-sensitive phone calls from my doctor because this debt collection agency refusing to stop calling and filling up my voicemail. Their actions have resulted in real medical damage to my body. 

THIS IS NOT MY DEBT. 

I am NOT the person they are leaving voicemails for. Them repeatedly calling and filling my voicemail caused me real MEDICAL DAMAGE and I want them held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My mortgage loan is missing from my Transunion and XXXX credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up at TransUnion. There was no obvious indication that the membership would apply fees. So I was charged by XXXX. I found it in one hour and cancelled immediately but they insisted on the membership until XX/XX/XXXX and charging me one-month fee. I think its not reasonable and claim my money back and end the membership 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 monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Endpoint Resolution Services (ERS)
State: IL

Complaint narrative:
ERS in XXXX New York collection agency calls my parents home everyday. They ask them to quit calling everyday and they continue to call. They told mother it was a legal issue. She was recovering from a XXXX XXXX and they continued harrasing her every day. She had another XXXX XXXX and passed away last month. They still continue to call and harass my sick  father now. Every day they tell them I am XXXX years old and don't live there. My father even gave them my number and they still call them. I called them today and they told me it is not illegal to contact them repeadetly after asking not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Someone has used my info and all the unpaid debts are on my credit. 

From Midwest recovery. Not mine. Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting incorrectly that I am 150 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-21 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: CT

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. 
My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT 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 non-monetary relief
Consumer complaint received 2019-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I checked my credit report with Transunion and noticed false information being reported on my personal credit report with a company named XXXX/XXXX. I sent Transunion a letter via certified mail # XXXX on XX/XX/2019 and received a proof of delivery that they received my letter on XX/XX/2019. I have attached my credit report from XX/XX/2019, the letters I sent to Transunion, and proof of delivery for your review. I notified Transunion that there was an inaccurate item being reported on my credit report and that I contacted the company at the address listed on my credit report as XXXX XXXX, XXXX, TX XXXX, however, the mail was returned by the USPS due to an invalid address. I enclosed a photocopy of the returned mail. 

I have not heard back from Transunion regarding this matter. Today, XX/XX/2019, when I checked my credit report, I noticed that XXXX/XXXX was still listed on my account with false and inaccurate information. Given that the furnisher has provided false information to Transunion and a false address I demand that the item they are reporting be removed immediately. 
Thank you for your cooperation in this matter.

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My mortgage loan is missing from my XXXX and Experian credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.

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 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Jdmnt was awarded for an old apt complex back in XX/XX/XXXX for {$850.00}. They are reporting it to credit as XXXX as of XX/XX/XXXX, I filed a dispute with the credit bureau and they responded with a copy of the contract and fees that didnt even add up to the amount they are reporting, so I filed a 2nd complaint and they mailed a document in the mail that just said the debt is valid. I have reached out to the company since XX/XX/XXXX requesting different documents and they have yet to comply. On XX/XX/XXXX I served them certified mail with a notice to validate the debt and provide documents because I disputed the amount they are reporting. They are not allowed to contact me while in dispute and they called me that same day to tell me they received my attorney general complaint and document and that it was fwd to a mang, but wanted to know what my intentions were with the debt. I advised when they provide documents to me to substantiate there claim then I would get back to them. They also called me again today XX/XX/XXXX @ XXXX, I just rejected the call due to them not being able to contact me and they are well aware of that as they are violating The Fair Debt Collection Practices Act by contacting me. I have documentation that I will also attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
I paid {$470.00} on XX/XX/2019 and it was reversed to another account without my authorization

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Someone has used my info and all the unpaid debts are on my credit. 

From XXXX XXXX. Not mine. Fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Someone has used my info and all the unpaid debts are on my credit. 

From XXXX XXXX. Not mine. Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was switching banks. I was going to transfer funds from XXXX account to Chase account. I was told by branch manager that the easiest way to do this was to write myself a check ( up to XXXX ) and transfer money slowly that way. This was on XX/XX/XXXX. 
I went home wrote check from XXXX account to myself for the amount of XXXX and took a picture on mobile app to deposit it. Check denied as front was not signed as I had made mistake. I signed check, took picture again and attempted to deposit. Account closed hours later for " fraudulent activity '' I called to re-open and they would not. Spoke to multiple people on multiple days. Was told on XX/XX/XXXX after going to branch I opened account that there was nothing they could do to re-open account but not to worry it was closed and check would NOT clear my current account at XXXX. 
On XX/XX/XXXX the check cleared XXXX XXXX. Chase claims they were not in my account, but on mobile app with XXXX it clearly shows it was deposited in JPM Chase account. 
I have called relentless amounts of times. Sent emails and no one can " find '' the money and if they do find the money tell me it can not be released. Stating it was fraud. I explain the situation time and time again to them and that I made a simple mistake that most people make daily and it does not matter. They still currently have my {$2000.00} and still no one can tell me when I will receive this money, IF I will ever receive the money and any sort of time frame for what is going on. 
I would just like to get my {$2000.00} back as I am currently in the process of buying a home and going back to school. It is MY money and I should have access to it regardless of the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
I have 5 loans and together it has left me with $ XXXX in debt. I would like to pay for the true value of my degree and not the inflated rate set by the universities. I would like for my loan amount to be reduced or to apply for loan forgiveness / bankruptcy. Private loan companies shouldnt charge me more than I make a year and that has to be accounted for. I need a way to consolidate my debt. 1 of my loans was also sold without my knowledge and XXXX XXXX hasnt been able to produce proof of the sale or put me in contact with the company it was sold too. XXXX XXXX essentially diversified my loan to a different company to make money off of it. Many of my loans also do not add up. I graduated college XX/XX/XXXX. My payments are suppose to begin 6 months after that date. My payments began XX/XX/XXXX. It is currently XX/XX/XXXX and my loan had jumped {$8000.00} in 2 months? I feel like XXXX XXXX is not tracking properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation