vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I terminated my bundle services with XXXX XX/XX/XXXX. I had no more dealings with them after this. I didn't speak with them. I didn't sign anything. I didn't pay them anything except whatever was the final amount due on my XXXX XXXX account. My wife later signed up for their internet only services to run her firestick. In XX/XX/XXXX, I bundled our services with XXXX. My wife terminated the internet only agreement with XXXX around this same time but XXXX argued that she entered a contract and an early termination fee applied. I got involved and asked about this. I was told by the XXXX  rep and others that internet only services don't have contracts so I disputed it with XXXX. No XXXX rep could show me " contract '' language for internet only services. I filed a complaint with the Atty Gen. Office in XXXX. The Atty Gen. Office said they couldn't force XXXX to do anything and closed the case. I called XXXX again. A rep showed me some language that looked contractual so, instead of continuing the debate, I made the payment. I'd like the payment reimbursed since there should have been no contract with my wife. Also, they placed the account in collections and on my credit report while it was being disputed. I didn't enter into any agreement or contract with them nor did I have any dealings with them on this internet only agreement at all so nothing about this internet only agreement should be on my credit report. I was totally surprised when I saw that on my credit file. I'd like that derogatory item removed from my credit report. I have no other blemishes on my credit report. I was never late paying them over the many years I had their services just like I pay all of my other bills on time. This move was a very nasty and unnecessary move on their part. It unjustly adversely affects my credit score. First, my payment history with them on the XXXX services bundle I had with them for so many years is excellent as is it with all of my other bills. Second, the item in question was being disputed so this bill should have been frozen during the short period of time it was being disputed with them. Third, I did not enter into any arrangement with them ( no dealings whatsoever on this internet only matter ). Lastly, I've been advised that XXXX should not have been able to bait my wife into a contract for internet only services unknowingly so I'd like them to reimburse that payment to me that I made on behalf of my wife. Transunion has already deleted the errant blemish from their file/report. Thanks.

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 2019-07-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Intent To Sue Contacted Equifax multiple times concerning XXXX XXXX and XXXX continues to allow this company to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing. 
These account have been removed from XXXX and XXXX   because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Equifax stated in a cfpb complaint they were investigating said account but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!. 
Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NM

Complaint narrative:
While I was able to obtain my credit report from XXXX and XXXX  just fine, I could not get it from Equifax through XXXX. I am certain I supplied the correct information to verify my identity ( otherwise I would not have succeeded with XXXX and XXXX ), so they didn't deny me because of " wrong answers. '' Because it worked with the other 2 agencies, I'm also certain it's been more than a year since my last request and I'm eligible to receive a free one now ( I'm well within my rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Ive requested a proper investigation 4 Times. Ive sent 4 certified, notarized letters, they have failed to comply. All that Im requesting is for proof that these unverified accounts and late payments are mine. I still havent received proper documentation supporting that these times are mine, they continue to send results back stating it was verified but wont provide proof showing how it was verified. I have also request numerous times for several unauthorized inquires to be removed from my credit and they have ignored my request and failed to comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Date of Occurance : XX/XX/19 XXXX XXXX XXXX ( XXXXXXXX ) XXXX-XXXX XXXX va Schools First Credit Union Transfer Amount : {$150.00} XXXX does not offer fraud/scam protection services for their clients. Although it is deemed as trusted by banks, neither institution is willing to help me get my funds back. My bank, SchoolsFirst Credit Union, denied my right to file a claim for any XXXX authorized transactions. They say I have no option but to attempt to contact the person who Scammed me. This person is unreachable and non-communicable, they did not and will not send the product or goods that were promised as part of the transaction. His name on XXXX Account is XXXX XXXX. His Email : mailto : XXXX and phone number ( XXXX  ) XXXX-XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have previously submitted a complaint under claim number, XXXX on XX/XX/XXXX received a notice from PHH acknowledging receipt of my complaint dated XX/XX/XXXX ( attached ). The letter included a invitation to contact XXXX XXXX from customer account analyst with any questions at XXXX ext. XXXX. I called the number but the automated answer is that extension can not be reached from this number! 
My complaint is simply that PHH has set up a system with the intent to avoid all direct contact with its customers. On XX/XX/XXXX after approx 30 min of various phone transfers and hold delays I was able to speak with an agent who said would make the necessary reversal of the mis-applied payments, but he could not explain why my payments were repeatedly being paid to principle and not as a regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I originally had a credit card with jay jewelers that was offered at the time or purchase of a engagement ring. I did not proceed with the marriage and or engagement and the ring was returned. I was told this was all clarified and taken care of at the store at the time of return. At the time of return both employees were running credit and trying to figure out how to return the item. They mentioned it was resolved and I was good to go. This was at the Kay jewelers inside the mall at XXXX  XXXX. This was over 10 years ago and now I received a letter about a bank levy from some random company. I dont believe there was ever any legal action and or judgement but these are threats against my accounts. I need this to be addressed and this company needs to know they cant harass people for debt that doesnt belong.

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 30+ years never a late payment, never deragatory, perfect credit. But, because I don't own a home I am penalized with an average rating very disturbing system. 

XXXX XXXX XXXX in XXXX XXXX falsely reported a derogatory delinquency to Transunion in XX/XX/2019. Transunion and FICO scores immediately dropped to bad credit rating. XXXX XXXX and XXXX received the bad credit scores and replied to me all my credit available was removed. A Platinum card with $  XXXX credit was reduced to the currently owed balance of {$3400.00}. All credit cards are now declining any transactions. XXXX has attempted to correct from their end but it has not corrected the situation. I submitted disputes with Transunion who has not corrected the problem. Now we will watch this case get worse. Once XXXX XXXX and XXXX stripped all credit availability from the cards this means the only way to increase the credit lines is resubmitting so these are now reported on my credit rating. As you aware these recent reports drop the credit score further damaging my financial life. 

THE CURRENT CREDIT REPORT AND SCORE ARE FALSE AND DO NOT REFLECT ME OR MY CREDIT.

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 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Company sent me a bill for {$2400.00} that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was two months behind I was paying so that I didn't hit the third month I was not able to make my payment for XXXX I was never notified loan services change we got in contact with phh mortgage they've specified a letter will be used out yo notified us they offer us an application for modification 3 weeks later they specified to me on a phone call I maid to the to see what was going on to find out I didn't qualified now I am on 6month default on payment they told me my manager will contact me till this day no phone calls from him at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I had a multitude of red flags pop up around mid XXXX, 2014 and obviously took brisk action in fixing it. One of the few conclusions we ( my bank and I could find ) was to close my account and my cards and issue brand new numbers for each one. The date that this supposed money was put into my account was AFTER my accounts were closed and I was issued new account numbers and card numbers. The company Speedy Cash left me a large amount of pretty threatening voicemails including telling me youre going to jail no matter what, just pay ya we need the money after I specifically spoke to them about how theres no possible way the money could go in and if it did it was identity theft and I told them to contact my bank and they asked for the information and I gave them the number of the bank, XXXX XXXX and I also gave XXXX a heads up that they needed verification that it was closed. I never heard a word back again ... AND NOW its in debt collections? No way ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: State Collection Service, Inc.
State: IL

Complaint narrative:
State collection services from XXXX Wisconsin took longer than 30 days after I disputed a medical debt. I was on state aid and the hospital never applied the state aid because I was laid off. I have the dates of this taking longer than 30 days when I disputed it and it is approaching the statue of limitations to be off my credit report. I have suffered long enough with XXXX from what happened and this triggers it constantly. Its debilitating knowing that the hospital was negligent not applying financial aid and I am not able to get get a car or home to live it's sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Over 5 month ago I applied for two nummbers of leases in the amounts of XXXX $ for a mattress and couch with turned to XXXX, 26 number of payments of XXXX tax excluded. 
The second lease was in the amount of XXXX turned to XXXX, 26 number of payments of XXXX tax excluded at shop for 3 initialed services in 3 days, Day one after leaving the shop i found out that they have broke a piece in my vehicle and they have stole my personal belongings, i called the shop and explained the situation and they refused to fix it, i tried and called Acima to at least get the other two un-received services off the lease the person assisting me agreed to contact the shop and take care of it. 
I now have paid more than 50 % but that most be it, I believe I have paid enough with all the suffering.acima absolutely didnt show any care about my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Good evening, On XX/XX/2019 I purchased a XXXX XXXX ticket using Chase Ultimate Rewards Points with my Chase Sapphire Reserve Credit card. XXXX XXXX canceled my return flight and issued me a partial refund for {$150.00}. XXXX informed me on XX/XX/2019 that the refund was processed. It's been weeks and Chase refuse to refund my account. 
I waited the appropriate amount of time for the refund to appear on my account but it never did. I contacted Chase Card services using the secure messages feature and informed them of the issue. Chase told me the refund processed to a different credit card number from the one I have, and that I'd need to work out my refund with the airline. I contacted XXXX again, who informed me that when a customer books a flight with credit card points, the credit card company itself reserves the flight through a partnered travel agency, and that XXXX had reimbursed Chase 's partnered travel agency, because XXXX can only reimburse in the exact method in which the flight was reserved. 
A XXXX representative told me to contact Chase again and tell the credit card company to reach out to their agency, confirm the {$150.00} reimbursement, and then forward the refund to my account. I messaged Chase on XX/XX/2019 and told them this issue and asked them to confirm my refund with their agency. Chase sent me a repeat semi-automated response to contact XXXX again, and claimed that I hadn't booked the flight using Chase ( even though I definitely booked the flight with Chase Ultimate Rewards Points and I have the email confirmation to prove it ). Chase customer service is sending me in circles, refusing to follow up with their own travel agency, refusing to read the messages I sent them with pertinent information, and refusing to process my refund to my account. I have spent over twenty hours contacting Chase and two months of frustration waiting for my refund. 
Furthermore, when I spoke to a Chase representative on the phone on XX/XX/XXXX she was less than helpful. She told me XXXX cancelled my return flight because I'd failed to arrive at the airport for my departing flight ( this was false and easily disproved. I'd flown on the departing flight the day before ). She was also unable to receive emails, so I couldn't show her the XXXX flight or refund information. When I learned I could not forward documents to Chase employees while on the phone, I decided to use the secure messaging. But this method of communicating with Chase has proven just as ineffective. 
I am attaching to this complaint all of my messages with Chase, proof that XXXX processed my refund, and proof that I purchased the flight through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of  statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NY

Complaint narrative:
Please see identitytheft.gov form for list of fraudulent accounts, along with corresponding fraudulent inquiries and fraudulent addresses. Regardless of sending experian this information, they have not removed the fraudulent listings on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I received a call from an unknown number from XXXX area code. I called the number back and a woman answered the phone. I told her I had received a call from this number and how could I help her. She asked if this was XXXX. I stated yes. She asked me my date of birth. I told her I was not going to give my date of birth over the phone until I knew what this was about. She got angry and told me she had my name, my address, my date of birth and my social but couldn't tell me why she was calling until I gave her my date of birth. I said no unless she identified the purpose of the call. She hung up on me. I cross referenced the number and it is HP Sears from XXXX. It is a collection company. I have never received a single bit of correspondence from HP Sears and have no idea why they are calling. I have had my ID stolen and my passport. I am not just going to just give my DOB to anybody over the phone for no reason other than they want to be rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-07-27 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: NY

Complaint narrative:
I am a victim of identity theft

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