vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: NC

Complaint narrative:
I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXXn XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   Credit Card - XXXX XXXX XXXX Card - XXXX XXXX XXXX XXXX Credit Card - 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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/19 I reported card stolen at Costco member services. I got a new card between the dates of XX/XX/2019 I actives the new card. The card that was sent in the mail had my new picture and the same card number and card numbers on the back. When I got my card in the mail I activated it. There was 2 cards that where active. I went to make a police report on XX/XX/19 like Citi bank advised but the police advised me to go to Costco. On XX/XX/19 I went to Costco and spoke with XXXX  a manager at the XXXX XXXX Costco. She printed a report of my membership and it proofs that I reported it lost to XXXX XXXX on XX/XX/19. She told me that membership manager named XXXX XXXX would call me but, I haven't received a call. My case manager at Citi named XXXX XXXX asked me to provide my login to my account and I refused to give that information given the state I was in with my account. She referred me to call their main line. After making efforts to contact her she screamed at me and told me that she sees these type of cases all the time where people charge the account. Her tone was biased and did not properly investigate my case. 

The amounts total {$2400.00} from dates XX/XX/19- XX/XX/19.

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 2019-06-27 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:
To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX  has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.

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 2019-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.

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 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
Called repeatedly at all hours of night and day. When I try to call back it is nothing on the other end but a loud beeping nose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX  and with the credit bureaus and is potentially pending litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: MS

Complaint narrative:
The following accounts and Inquiries that appear on my Experian Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, Opened XXXX XXXX, XXXX. XXXX XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX, {$1500.00}. XXXX XXXX  XXXX/XXXX  XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX/XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - 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 2019-06-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an AMEX Delta Skymiles  card in mid XX/XX/XXXX, in response to a 60k Delta bonus miles offer ( XXXX for {$2000.00} in purchases within the first 3 months of membership ). I made a XXXX-XXXX  purchase of exactly {$2000.00} on XX/XX/XXXX, meeting the offer requirements. 

On contacting customer service the first week of XXXX, I was told that an investigation would have to be opened into why the charge was not registering on their end. I checked again on XX/XX/XXXX and was told the investigation was resolved and i would get my bonus miles 8-12 weeks after the charge date ( XX/XX/XXXX ). It is XX/XX/XXXX today ( more than 12 weeks ) and on contacting customer service, was told another investigation would have to be opened into why i haven't received my miles and that could take 6-8 weeks. 

AMEX is not fulfilling on its advertised offer and the long wait times are affecting my travel plans. Customer service is clueless and can only offer an endless loop of investigations that apparently take months to complete. Very disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I currently have open collection with Evergreen Professional Recoveries Inc. The original amount owed to them was {$300.00}. A payment of {$150.00} was made to them on XX/XX/2019, bringing my total amount owed to {$150.00}. On XX/XX/2019, EPR reported to the XXXX XXXX that I still owed the full amount of {$300.00}. I made a dispute to XXXX XXXX, stating that they are reporting the wrong amount, as I made a payment to them two weeks prior. XXXX XXXX received my dispute on XX/XX/2019, and was completed XX/XX/2019. 

The result of the dispute was verified as accurate by EPR, and it stated that the amount of {$300.00} will stay on my Credit report. I contacted Evergreen Professional on XX/XX/2019, to confirm what the remainder balance of my account was, which the informed me was only {$150.00}. I asked them why this amount isn't being reported to the Credit Bureaus, to which they told me it the Credit Bureaus error. On XX/XX/2019, again, Evergreen Professional Recoveries reported that I still owned full amount of the collection. 

As of XX/XX/2019 the full amount is still showing up as owed through XXXX XXXX, XXXX XXXX and the XXXX XXXX. Evergreen Professional Recoveries Inc., is the only collections company that I have had issues with reporting the correct amount to the Credit Bureaus. I believe they are in violation of the FDCPA, and I feel like they are a completely untrustworthy collection agency. The reviews of this company shows similar instances of them reporting false information on other accounts.

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
THE COMPANY XXXX  XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX  XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX of Texas had this account and has sold it to different companies apparently, because once we completed our bankruptcy successfully in 2017, Phoenix Financial Services started harassing us and they said that this bill had passed its limitations but we could still settle the debt!! I informed them that we paid all our debts through the bankruptcy but they said they wouldnt contact us anymore!! They still put this on our credit once and we gave them our bankruptcy attorneys information as well!! The company name is a collection agency Phoenix Financial 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 2019-06-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT FILE. PLEASE INVESTIGATE YOUR CREDIT REPORT AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.

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 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for the XXXX XXXX Loan Forgiveness program and I was granted {$10000.00} in forgiveness which cleared all of my remaining debt with Navient. I received several emails congratulating me on paying off my loan and the balance went to {$0.00}. I even talked to a rep who canceled my monthly auto payments and confirmed that I was all set and that I should receive a letter in the mail confirming this. After several months I received nothing but I did get a notification that I was due to resume payments soon. I had no idea what this was referring to so I called Navint and a rep informed me that they misfiled my paperwork. I should have received only {$5000.00} in forgiveness, not {$10000.00}. She informed me that I was in fact due to resume paying off my loan. Sadly, in the months that had passed since I was informed by Navient that I had paid the loan in full, I had transferred any remaining money I had to pay off the loan into my Roth IRA. I thought I was making a wise financial choice only to find out that I once again needed that money so that I could pay off the mistaken amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The following accounts and Inquiries that appear on my XXXX  Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The following inquiries are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I bought a dress from XXXX XXXX XXXX in XX/XX/2018 for a discounted price of {$54.00} of an initial price tag of {$89.00} but Comenity Bank issued me a bill of {$170.00} for this one item, I find that this is not the first time Comenity Bank has over billed for a dress, this was also done with their shop XXXX. I made a complaint in XX/XX/2018, XXXX XXXX XXXX/ Comenity Bank then wrote to 4 other credit companies in an effort to negatively affect my credits score in spite of the issue being their error. I then replied to all the credit agencies attaching all relevant receipt and statement. Then XXXX XXXX XXXX informed me after many letters and call to them that they are investigating the matter. I did not receive any info from them but suddenly saw a credit of over {$79.00} credited to my account. I wrote for clarification but they informed me that they are still investigating only to find online that Comenity Bank through XXXX XXXX XXXX has deducted some inexplicable charges " late '' from the amount they unilaterally credited to my account, all efforts to get Comeniy Bank to explain and to rectify the issue has come to naught. In stead Comenity Bank is more interested in giving negative reporting to the credit bureaus knowing very well I do not owe them and knowing that I pay my bills way before the due date as verified by payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This involves prior complaint # XXXX. Wells Fargo carried out unauthorized transaction on my son 's account.

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 2019-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

EXPERIAN : Previous Address ( es ) : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

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 2019-06-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed a collection account from XXXX XXXX that was incorrectly reported. On XX/XX/19 the information was updated as paid and it states it is going to sit on my credit report for 4 years. I had two accounts and they deleted the other one.

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 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX and with the credit bureaus and is potentially pending litigation.

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 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
Medicredit, Inc. of XXXX XXXX, MO XXXX XXXX recently ( in this month ) reported to the credit bureaux that we had not paid two amounts : {$130.00} and {$1100.00}. We have no knowledge of these billings which are alleged to have occurred in XXXX of 2016 ( more than 3 years ago ). We sent a certified letter to Medicredit requesting documentation and substantiation of the alleged billings but received only a form letter that the company had " determined that the balance on the account is accurate and is ( our ) responsibility. '' It is difficult to say how they would have determined this without contacting us or providing substantiation. They have negatively impacted our credit scores and we feel we can not move forward with a home purchase because it will be priced at a higher rate than is justified by our actual credit history. Previously, we have written to XXXX XXXX four times, including the last time to the Chief Financial Officer of the Company. Neither he nor they ever responded.

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 2019-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is stating I don't have a credit file even after I have proven to them who I am several times. This is keeping me from moving forward in my business and personal affairs.

Company response to consumer: Closed with explanation