vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received mail with name + XXXX on it and it was from Chase. Some applied for an XXXX XXXX with my address. Chase has been doing this for the last year, now that it has come to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong 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 2018-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian via mail at XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/2018, alerting them to a paid for deletion account showing on my credit report, I also included documentation/receipts from the company reflecting account was paid for removal. I have not received any feedback from Experian. I have attempted to contact them via the multiple phone numbers listed, XXXX, XXXX, XXXX, and XXXX, I only recieved an automated message with limited options, stating to please try using online services for further assistance. I then attempted to complete an online dispute form but continually received an error message stating site was unavailable. It's been 45 days and I have yet to receive a response nor can I contact anyone to follow-up. 

XXXX XXXX, account # XXXX, the account is showing paid and closed, the account should be removed from my 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 2018-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted to obtain a free copy of my credit report based on being denied credit in the last 30 days. When I attempted to go through Equifaxs automated system, I was transferred to an agent who verified my identity. She then says she has to transfer me to a specialty department ( Consumer something ). I am left on hold and never transferred. I called back and had to re-verify my identity only to be placed on hold for the specialty department and then subsequently the call dropped. Equifax is attempting to treat me differently from other consumers because I have filed complaints about their reporting. I would like a free copy of my credit report immediately. I would also like for them to investigate two disputes I have regarding the following accounts : Chapter XXXX bankruptcy - requesting early exclusion as it is less than 45 days outside of the 10 year mark. 

XXXX XXXX - too old to be reported. It has been over 7 years since the date of 1st delinquency in XX/XX/2011. 

My rights are being violated by Equifax. XXXX and XXXX are reporting accurately however Equifax is discriminating against me in a retaliatory fashion for submitting complaints about their handling of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in XX/XX/2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX XXXX, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: KY

Complaint narrative:
On XX/XX/2018 i contacted transunion and i was told that i am locked out of my report for life i will never be able to get into my report online please fix this i have been dealing with this for a long time because someone took my id after i got out of the XXXX and was on XXXX XXXX  for a long time and now i am paying the price for this over and over again

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 2018-10-16 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: DISCOVER BANK
State: CA

Complaint narrative:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: SC

Complaint narrative:
Inquiries such as XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 TRANSUNION LLC IS reporting inaccurate information on my credit report Ive disputed this info 2 times still I have No response/ evidence bearing my signature, of this being accurate.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 I had multiple fraudulent charges made to my Walmart MasterCard Account XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX for {$550.00} - refunded to my account. 
XX/XX/2018 Balance Transfer for {$1100.00} - still on my account and not refunded. I have contacted Walmart CC multiple times and am told that it is in their Fraud Dept and I will hear back from them soon. So here I sit, months later and am still paying on the balance transfer. They have refunded fees and interest but have not dropped the charge.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On, or around of XX/XX/. After several letters, of disputing! Experian still reporting US BKPT CT. Fr  XXXX to present? XXXX XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XXXX XXXX - XX/XX/. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/ - XX/XX/. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XXXX. No validation! XXXX, reported to XXXX XXXX XXXX, XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XXXXclaim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.

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 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. 
Moreover, the original lease agreement is not signed by an authorized agent for the LLC. 
The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. 
According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX 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
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18 I contacted Experian to temporarily lift the security freeze on my credit data. I had put a freeze on my data after the XXXX  data breach. After I answered all of Experians questions correctly, I then received an automated message that I would have to send a letter along with a ridiculous number of personal documents to lift the security freeze. Also, when the creditor did the check on me, Experian told them there was a freeze due to legislation. Experian does not have any customer service options of any kind other than a letter. How is this legal when they are making money off of safeguarding MY data? This is unacceptable. A 2-3 week ( per their recorded message ) turnaround is not reasonable for simple requests of this nature that are time sensitive.

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 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX  ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result 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 2018-10-16 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a XXXX in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX   state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: MS

Complaint narrative:
I have a problem with information on my credit report and they ( TransUnion ) refuses to remove something on my credit stating it was accurate. Dr XXXX has put on my credit report that I have bad credit. Let me tell you what happen, In XX/XX/XXXX I went to see Dr XXXX, I did not like him and I didn't go back to him. Weeks later I recieved a bill, I had call Dr XXXX and told them I had insurance and ask them why they did not file to be paid , Dr XXXX nurse told me I had to file for it for them to get paid! I never heard of such any time you go to the doctor they file for you, so they can get paid. I as a consumer did not know how to file because they use XXXX codes to get paid, I called the nurse back and she told me she didn't have the time to file for me and that I needed to learn how to file and hung up on me. I again called the office back and she again told me the same thing and hung up on me. How this is on my credit report and I want it remove. I contacted TransUnion file a complaint and it took 1 month to investigate this matter and they told me it was accurate, this isn't fair. A clinic visit is now {$900.00} and I'm being called everyday three and four even 5 times a day screamed at talked to like a dog. Because his nurse refused to file my insurance, now they have change the date so it was XX/XX/XXXX and now they are saying XX/XX/XXXX. TransUnion is not being fair they gave the people my phone number to call me and harness me. It all started with XXXX XXXX. How do I file a charge against them for doing this to my credit and me?

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 2018-10-16 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW Finacial was contacted to submit payment the representative that assisted told me the exact amount and date that the payment was due. I submitted payment on that date! They stated that payment was due prior but a representative on a recorded line explained in detail the date. I now they have reported 30 day late and that is inaccurate! I have requested removal and they are not willing to help or pull recorded conversation. I have never paid past 30 days and due to the inaccurate information provided by BMW rep I now have a problem for the month of XXXX and XXXX. I was also told that a partial payment of {$500.00} was acceptable and I would not be reported since I was also making the {$97.00} on the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. 
I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint towards Experian, they keep getting my information wrong and it is impossible to get a hold of someone by phone. Today I spent approximately 2 hours trying to get a human to answer my call but after trying various numbers that only lead to a dead end, I gave up. 

It is so frustrating because I have had so many issues applying for loans and other financial needs because of them. Companies keep telling me to update my consumer statement and there is nothing in regards to that online. 

Calling them has been such a waste of time every time because everything is an automated loop of the same thing over and over.

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a fraud alert on all 3 credit bureaus. Also credit freeze. Trans union XXXX  shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.

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 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX  charges a {$2.00} fee to make a payment online. That seems specifically targeting customers fee gouge vs. having a legitimate reason for the fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.

Company response to consumer: Closed with explanation