vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 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: NY

Complaint narrative:
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late

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 2018-05-07 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: NY

Complaint narrative:
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX has reported a {$2500.00} account in collection on my XXXX   credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as XXXX for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in XX/XX/2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency XXXX have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am the owner of my deceased sister XXXX XXXX XXXX 's home she XXXX of XXXX XXXX and XXXX XXXX in XX/XX/XXXX, I was the executor of her estate and my sisters and I inherited the home. I became owner in XX/XX/XXXX through a Quit Claim Deed. My sister did a refinance is XX/XX/XXXX with XXXX XXXX XXXX   for {$410000.00} through a Deed of Trust and Promissory Note. On the Interest Only Fixed Rate Note for 120 months from XX/XX/XXXX to XX/XX/XXXX. this note was never honored by any of the Service Companies. She also did a modification with XXXX XXXX XXXX in XX/XX/XXXX. My home was foreclosed on XX/XX/XXXX. It also was ratified, and audited. I filed a chapter XXXX, bankruptcy to stop the process of my home being sold. I believe that mortgage fraud, and foreclosure fraud was involved from XXXX XXXX XXXX, XXXX XXXX XXXX, and Fay Servicing,  XXXX XXXX XXXX Law Firm, and my former attorney XXXX XXXX. They never acknowledge the Interest Only Fixed Rate Note my sister had been paying the mortgage and the principal since XX/XX/XXXX, when she became ill in XX/XX/XXXX I took over the payments until my savings were depleted and my home went into foreclosure in XX/XX/XXXX. I recently came across this information within the past week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from XXXX  only can I see my report on XXXX XXXX. 

Transunion website is always unavailable and then tell me that I have received my annual 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 explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent recovery is unable to properly provide the necessary documents to validate that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX i received a alert of my XXXX that US Bank pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at US Bank is willing to help and the customer service is the worst i have encountered in my 30 years of life, there are no words i can think of to appropriately use to express my anger with US Bank.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
i demanded that the following account be removed from my credit report : debt recovery solutions account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with 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 2018-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been struggling with Chase for my HELOC. I have been advising from Chase with many different thing. As of Active Bankruptcy of chapter XXXX, I called Chase for negotiate of my loan and to get it close due to approval of short sale from 1st lien holder. I have limited time to close but it took over 4 weeks for nothing. 
XX/XX/XXXX, I called Chase and they told me my file being service by XXXX XXXX XXXX and I need to contact them for more information. Same day, I called them and spoke to XXXX XXXX. She told me I need authorization from my bankruptcy attorney for more discussion. I have got letter sent by my attorney. I called XXXX XXXX XXXX to talk but they gone for the day XX/XX/XXXX. I called XXXX XXXX XXXX and spoke to XXXX XXXX, She told me my lien being release by Chase and decision made on XX/XX/XXXX. I asked for documentation and she said no documents to provide. OMG. I called Chase Recovery Department at XXXX and spoke to XXXX XXXX, she told me nothing to release and release lien being review by Chase. 
I dont know which one to be trust and my house is almost got foreclosure if I cant close on time as of XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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:
I am requesting your assistance to resolve this urgent matter. 

My complaint is about negative information on my credit report that create difficulties for me to receive loans. During my divorced, I have, and still is experiencing financial hardship as a result of three companies restraining my ability to obtain loans from other companies. These fouXXXX companies that are hindering my ability to receive loans are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, andXX/XX/XXXXXXXX/XXXX XXXX. All four companies were paid in full and loans satisfied. 

For instant, XXXX XXXX ( XXXX XXXX XXXX XXXX ) received last final payment of {$6600.00} for an automobile loan on XX/XX/XXXX. There was a four years commitment to pay off this automobile loan for {$26000.00}. I paid it off within that frame of time, four years. In spite of my difficulties, I managed to keep my commitment payment agreement. I believe negative information should be removed due to circumstances mentioned. 

Furthermore, XXXX XXXX account sprung up from nowhere. I never applied for aXX/XX/XXXXcredit card from this company. There was a credit union who sold the company to XXXX XXXX. I wrote the credit bureau about my account being switched and I did not receive any options from the credit bureau to clear the matter. On XX/XX/XXXX, XXXX XXXX account opened and it has been updated as of XX/XX/XXXX. These last payment made on account was XX/XX/XXXX. XXXX XXXX account is current and pay as agreed. I was surprised to see an adverse remarks on XXXX XXXX account. These negative remarks must be remove because I gave this company my full efforts to pay on time and I did not abuse my credit limit amount. 

Additionally, XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX for {$4100.00}. I did not escape my responsibilities for not making payments, because it was my obligations to do so. I am requesting the late payment be remove because of my efforts to steadfast of my obligations and to not make matters worse. 

Finally, XXXX/XXXX XXXX, this account is current and paid in full. In advertently, due to some error, I have a 30 day delinquent on my account that must be removed, because this also hinder my ability acquire loans.

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 2018-05-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed an error with Experian two different times and even with proof of inaccurate reporting, they will not remove the account from my report. I sent a dispute letter to Experian XX/XX/XXXX. This was my second attempt at trying to have the inaccurate information removed from my file. I explained to Experian that I had previously reached out to the company ( XXXX XXXX ) to whom my dispute pertains and was provided a copy of the so-called contract I signed with them. I forwarded all of this information, along with my reasons for dispute. Experian has for the SECOND time refused to delete this account ( although inaccurate ) from my report and will NOT share with me how the information was proven and deemed accurate by their investigation. I have attached copies of all paperwork and will also share with you the reason why I feel the information is inaccurate and should be deleted immediately : See page 1 : How was " accuracy and completeness '' determined? Why can't results of investigation be shared with me? 
See page 2 : Experian simply updated the information contained in the report from balance of {$1000.00} to {$1000.00}. Where's the proof of this? Experian was specific enough to increase the dollar amount by {$3.00}, they must have information that proves this ... share! Also, please note one area of the report states {$4000.00} owed, but another area states credit limit or original amount {$490.00} ... which is it? 
See page XXXX : If debt belongs to me, where are the last 4 of my ssn ( it's listed for the other party mentioned in the contract on pg.4, where's mine? ) See page 4 : Spelling of last name inconsistent See page 5 : Every page states " SOP '' which I have learned to mean signed over phone. My signature is nowhere on the contract! If SOP was used, prove it by providing recording of that supposed phone call. How can I be held liable for a contract that I NEVER signed!? 
See page 6 : In description of transactions, where is my name listed? Why am I not included/listed as a member? In addition, according to credit report " date opened '' is listed as XX/XX/XXXX, however page 6 shows transactions dating back to XX/XX/XXXX ... that's almost a full year 's difference. 

This entire report is filled with inaccuracies. Nothing being reported is true and it is hurting my credit standing and rating. In my opinion, just another cheap ploy by the credit reporting agencies to keep them in business. Experian is the only party that gains anything by reporting false 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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: ME

Complaint narrative:
Company : Blackhawk Network ( XXXX ) XX/XX/XXXX : XXXX   Prepaid Card purchased at local XXXX 's XXXX XXXX and activated on site, given as XXXX gift XX/XX/XXXX : Gift recipient attempted to use card an was declined. 
XX/XX/XXXX : BH Network contacted by phone to dispute 2 fraudulent charges on the Gift Card XX/XX/XXXX : BH Network requested additional documentation ( Activation receipt, card, credit card statement ) XX/XX/XXXX : Customer contact phone support to verify how to submit this information, delivered documentation by email to bhnetwork.com XX/XX/XXXX : Customer received 2 letters dated XX/XX/XXXX and XX/XX/XXXX stating the investigation had been closed due to lack of response/lack of documentation XX/XX/XXXX : Customer called BH Network to dispute the letter, Agent # XXXX attempted to assist, verified receipt of the required documents, but could not explain why the case had been closed XX/XX/XXXX :  Supervisor # XXXX ( XXXX ) agreed to attempt to reopen the case, all documents resent to XXXX bhnetwork.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I attempted to open up a credit card with Wells Fargo in XXXX XXXX  2017 and was denied due to my XXXX status.

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 2018-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Amscot Corporation
State: FL

Complaint narrative:
AMSCOT are representing XXXX. 
I want to send money, an associate 's named XXXX, tell me she can't do the service for me, for a reason she can't disclose. I called the corporate they tell the same thing. 
I thing this is a mere discrimination, I denied a service open to everyone without reasons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I scheduled {$3500.00} transfer from XXXX checking to XXXX XXXX checking acct. A week later XXXX sent e-mail saying there was insufficient funds in acct and suspended future transfers. I have acct balance over {$8000.00} in checking and {$3000.00} in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: U.S. BANCORP
State: MN

Complaint narrative:
After multiple attempts for US Bank to realize the account in my name was identity theft, they still denied my claim. I took the thief to court and won. I settled the account with US Bank because I moved it to a 0 % interest card until I can collect on the judgment. Due to their not accurate findings, my credit report states I paid them late and my credit score dropped 66 points. I would like them to remove this from my credit report since the courts have made a judgment in my favor.

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 2018-05-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am trying over the past 10 years to improve my credit report. They just dropped my fico score by 9 points, because two accounts had aged out. this changed the age of my credit history. I think it is a scam to keep people from having high scores. This way the banks can charge you a higher interest. I contacted my U.S senator and they told me that they had much bigger problems to work on.

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