vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.

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 2021-07-20 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: PA

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. XXXX HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST XXXX, STATE ATTORNEY GENERAL, AND 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 2021-07-20 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: NV

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate or unverified infromation on my credit report. Currently, there is an unverified or inaccurate public record listed to my transunion credit file. I have bee successful to have this inaccurate reporting deleted from XXXX and XXXX and was instructed by bureaus this information will be frowarded to Transunion to have deleted as well. As of yet this negative unverifiable account is still show listed in public records which is inaccuate. Please delete this account Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX. I have contacted court and was advised by written notice that no reporting of such is given to any credit bureau if there is such a file on record and no third party has any rigtht to post and inaccurate or information to my credit file without my consent. Please delete 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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to permanently remove the following account when an individual is able to furnish a report they are a victim of identity theft. I did that and they initially removed it but the creditor simply changed the account number from XXXX to XXXX but they should be able to clearly notate the account balance is the same. Hence, Ive included a FTC report for you to remove CKS Prime Investments under 12 XXXX XXXX XXXX under the account number XXXX from my credit profile as Im a victim of identity theft. 

CKS PRIME INVESTMENTS Account number : XXXX Additionally, according to Section 611 ( procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] in relation to reinvestigation, youve violated Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. Please permanently remove the following fraud account from my profile. I'm asking for your assistance so CKS Prime Investments should never be able to report this fraudulent account from my profile regardless of them changing the account number.

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 2021-07-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. 

At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act XXXX request is to be rescinded before assisting me with applying for this transaction. 

I declined the mortgage loan officer request, and made it clear that I will not rescind my ECOA ( Equal Credit Opportunity Act ) request prior to completing an application. 

I have not heard back from the mortgage loan officer, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Two years ago, in XX/XX/XXXX, my son patronized the XXXX  XXXX in XXXX XXXX. He accepted an offer of a lap dance back in the XXXX XXXX. Once in the XXXX XXXX he was told that he was obligated to buy a bottle of liquor. He accepted and gave his American Express credit card which we both share. I am the Primary cardholder. Next what happened is that my son was drugged at the club and the staff continuously used his credit card fraudulently charging excessive purchases and tips. I did not see the two or three fraud alerts Amex sent to my phone and therefore did not approve of any excessive charges. Amex paid them anyway and kept on through the evening. They claimed that the charges were approve through the App, which is not true because I never saw the charges that evening. When my son realized what had happened and that his card was used without his permission, he was back home and reported it to Amex. Amex refused to believe him. However, over {$2500.00} was paid on this claim and we thought that it was over. We were contacted by Amex just in the last few months of XXXX saying that the dispute of {$1700.00} was being charged back to the account. I made several phone calls to Amex to protest this. On XX/XX/XXXX I spoke with an American Express Fraud Agent who promised me " not to worry, '' that I would not be billed and that he would " take care of it. '' When I continuously checked my Amex account the charge was still there. When I called Amex on XX/XX/XXXX to inquire as why the charges were still posting to the account, they acted as if that conversation I had with the Fraud agent never took place, definitely a breach as to what the Amex Fraud agent said he would do. They totally went back on their word and acted like it never happened. I recently received a letter from Amex dated XX/XX/XXXX stating the merchant as XXXX in the amount of {$1800.00}? Who is XXXX and what's that amount. The latest dispute was in the amount of {$1700.00} and the merchant is XXXX. a real shady XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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: DISCOVER BANK
State: PA

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. DISCOVER HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST DISCOVER, STATE ATTORNEY GENERAL, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C B Merchant Services
State: CA

Complaint narrative:
CB Merchant services called me on XX/XX/XXXX did not leave a message after seeing my caller ID I called the number back> I was advised by the customer service rep that XXXX XXXX XXXX XXXX office had referred the bill to their office back in XXXX but due to the pandemic they were not in the office and now they have reported the bill to credit reports as a collection. I advised the rep that was incorrect that I have XXXX  insurance and that all my co-payments were paid. At that time the rep indicated that they will reach out to the XXXX XXXX office who since retired and get back to me until then the collection would remain on my credit report. 

This bill was paid in full and I want CB Merchant to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did a mobile deposit on Saturday it cleared my bank on Monday. I get a email today said the {$20.00} I deposit on Saturday it on hold for 7 days it was only {$20.00} plus why put my check on hold if you going to cleared the check from my bank. It was a small deposit chase bank XXXX against me because Im XXXX I did it the right way and they still but my check on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please refer my previous complaint ( XXXX ). Finally, after a lots of follow-ups I was able to get my online access with not much help from Regions bank. 
But now Regions bank is giving me tough time to give my {$400.00} cash back bonus for which all the conditions are met except online account statement ( which i can not do because I had no online access for so long ).

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 2021-07-20 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: CA

Complaint narrative:
Transunion reports XXXX/XXXX  accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a 50 XXXX point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS.

THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP 40 XXXX  POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!

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