vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.

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 2018-05-01 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: DISCOVER BANK
State: TX

Complaint narrative:
I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: FL

Complaint narrative:
THE ACCOUNTS LISTED IN THE ATTACHMENTS ARE FRAUDULENT

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 2018-05-01 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 ACCOUNTS LISTED IN THE ATTACHMENTS ARE FRAUDULENT

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a disputed to transunion for several inquiries previously removed from report but added back without 5 day notice as required by law also several accounts show in correct or incomplete information listed below The account listed shows derogatory but also status status unknown no historical payment history XXXX balance this is conflicting information previously removed durning a credit dispute added back with no notice to consumet 1/ XXXX  XXXX 2/XXXX  XXXX # XXXX 3/ XXXX XXXXXXXX # XXXX 4/XXXX XXXX  # XXXX 5/ XXXX XXXXXXXX # XXXX 6/XXXX XXXXXXXX # XXXX 7/XXXX # XXXX The following account show as in dispute however Im not of dispute of these accounts 1/XXXX remove dispute comments in all accounts for this creditor Lastly the following inquiries were previously removed now added back without a 5 day notice XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2018 I discovered that XXXX had reported a hard inquiry on my credit report with Equifax. Eventually XXXX agreed to remove it " see letter attached " Equifax is telling me they never received any removal request from XXXX on XX/XX/2018 as XXXX   indicated, please see attached Equifax is not willing to contact XXXX even though I provided them with the confirmation number. 
I was in the process of buying a home and this hard inquiry effected my score and I tried everything with Equifax to end up with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I have a loan with XXXX XXXX company, I lost my job so I fell behind on payments I spoke a young lady regarding the issue I was told that they are going to report to all the credit bureaus my late payments which is understandable, then the phone calls started I was getting calls up to 10 times per day early morning late night and all day, they called my neighbor over 4 times even when he told them to stop they called another friend and she told them the same thing but they kept calling, finally some one named XXXX called my sister on XX/XX/2018 around XXXXXXXX XXXX  and asked about my where about, my sister asked for the reason, XXXX proceeded to tell my sister whom is not on the loan nor is she a co signer, the amount of the loan how many month 's I was behind the interest rate of the loan and my payment amount in clear violation of the Collection Practice act, further more XXXX informed my sister if I did not send {$50.00} in the next 48 hours I will be prosecuted, which made my sister panic and she was pleading with XXXX not go through with it cause I had just started a new job I will be making payments again real soon, again a violation of my rights, I'm asking to make them stop calling me and my family members and I would like to know what is my legal recourse and what can I do about this blatant violation of my rights, do I need an attorney?? please advice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On today XX/XX/XXXX around XXXX XXXX I was contacted by Amsher a collection agency on behalf of XXXX XXXX XXXX. I was told by their CS Represenative that they were trying to collect a debt for XXXX XXXX XXXX for over {$200.00}. I told her that this was not possible since I had been to the XXXX XXXX XXXX in XXXX and they said nothing about my having a past due amount. I also let them know that I use XXXX XXXX and keep up with my credit and only had one derogatory remark on my credit, and it was not from them. I let her know that I would contact XXXX myself to find out what was going on. When I finally got someone in the billing department on the line she told me that XXXX had been sending out past due notices from XX/XX/XXXX through XX/XX/XXXX. I told her that I have not received any past due notices from them and that anything from XXXX had already been paid through Amsher in XXXX. I asked her what address they had on file for me and she told me that they had my old address that I had not lived at in over a year. I explained to her that even as late as XX/XX/XXXX, that I had to update my information with them since my insurance had changed as well. I also explained that I had been to XXXX a couple of times since my move in XX/XX/XXXX and not once had they said anything to me about an outstanding balance. Now I have a new derogatory on my credit. She said that they had been mailing me notices to my old address and pretty much told me that it was my fault for not changing my address with them. Not only did I change my contact and insurance information with them, but also did an address change with the post office XX/XX/XXXX. I receive all of my other mail from the old address no problem. She could not tell me why I had not been informed when I went to XXXX in person that I had a past due balance. They show that I owe balances from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at not one of these visits has anyone said anything to me about past due balances. I have the same cell phone number that I have had since XXXX, if Amsher had the phone number to contact me then why hasn't XXXX XXXX XXXX contacted me on the same phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
This just another one of the many issues I have had with GM Financial during the course of my loan. I have requested review of m y account on two occasions within the past 2 years because of loan payments not being applied correctly which resulted in additional finance charges. This complaint has come about due to the non reporting of my correct account balance information after I have called and complained to GMFinancial and disputed the reported incorrect information with the credit bureaus. This incorrect reporting was the cause of a disapproval for credit for a major purchase. This was listed as the deciding factor for the new credit disapproval. At the time of this complaint, my balance is XXXX ( est ) and has been reporting that way since XX/XX/2017 as XXXX ( est ), which is the last date reported by GM Financial. Additional has been requested and can/will be submitted to your agency upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: AES/PHEAA
State: GA

Complaint narrative:
I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXXI was able to consolidate all my XXXX XXXX and make one payment. XXXX Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( XXXX   ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called XXXX  agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I previously filed complaint number XXXX. In this complaint I stated that I found an unauthorized inquiry from XXXX 's on my credit file which was made on XX/XX/2016. XXXX 's responded by ignoring what the complaint said and removing a VALID account from my credit profile.

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 2018-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Company ( Ally Financial ) calls from various numbers using spoofing techniques to emulate numbers I have saved as personal contacts Company calls from BLOCKED phone numbers and does not leave message informing me what they are calling about XX/XX/18 I have been in contact with company to make payment arrangements due to a recent new job. Informed them of when my paycheck would be so I can make payment next day. They indicated they would notate my account and hold off on late fees. 
XX/XX/18 Company called from BLOCKED number, did not leave message XX/XX/2018 Company repossessed car between XXXX XXXX and XXXX XXXX, did not leave notice of repossession or company. I thought car was stolen. Called police to create police report. Called auto loan to inform them of theft and thats when they informed me of repossession. Added {$400.00} repossession fee as well as {$200.00} " re-key '' fee even though car has been in their possession less than 8 hours. Escalated problem to manager and he was abusive, vague and incorrect on the facts of my issue.

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 2018-05-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax on XX/XX/2018. Nearly two months have passed, and I have yet to receive a response. I even sent a follow-up letter on XX/XX/XXXX, but that has also gone unanswered. Equifax was supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I had a very old XXXX Credit  tradeline account that was charged off in which Portfolio Recovery Associates purchased in XX/XX/XXXX. In XX/XX/XXXX, one of the representatives called and continued to harass me regarding this particular debt. Advising they would be suing etc. I disregarded the calls and it showed up on my credit report. At the time it was reporting to the CRAs as a Factoring Company,  which is a violation of FCRA because they are actually debt collectors. Also, the representative lied to me and said if I settle this debt it would be removed from the CRA. At this time it's still on my XXXX report, because of the misleading tactics I settled thinking it would clear from my credit report. It was a lie. Also, on my credit report, it still shows under creditor classification is " unknown ''. I believe this a deceptive practice in order for me to collect on a bad debt that was well past the statute of limitation. I feel my customer rights were violated.

Company response to consumer: Closed with explanation