vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was charged {$280.00} incorrectly by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it 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 non-monetary relief
Consumer complaint received 2019-09-09 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:
Experian is reporting incorrectly collections on the XXXX XXXX XXXX   partial account numbers are listed below. ( For further reference, please see pages 12 and 13 attached from my credit report. ) The company I worked for at the time covered all expenses on medical. I have attached copies of my insurance cards. The company has since close, however they are still responsible to pay these expenses. I was adequately covered by insurance at the time, and these outstanding balances due are not my responsibility. This incorrect reporting of multiple collections is harming my credit score. I have contacted the bureau to remove these line items from my credit report however, I have not been successful. 

Company Name Number Collection Amount XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXXXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX XXXXXXXX {$460.00}

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
XX/XX/2019 i submitted an application on XXXX. They misrepresented they asked for a second verification i was told i was a approved before i submitted the information. Was not approved. They have my address birthday social security number an phone number. I have applied before with this credit card company got a approved for a {$500.00} dollar deposit via email i was sent the approval. They are fake they will take your money. This is the email i sent my information too. XXXX XXXX XXXX this is what i received 72 hours later not to mention a duplicate application they said i submitted.

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 2019-09-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I talk with mrs..XXXX  XXXX concerning the loan whin I was in storm of XXXX of the year of 2017 whin chase bank said that you or trying to repair your home they will help you but I was trick I was only two months behind bacis on what chase bank said but come to find out it was way to put you in modification whin you really don't need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
On Monday XX/XX/19 I noticed a missed call from XXXX. I received the call again 2 hours later and a woman identified as calling from Phoenix Financial Services, LLC calling about an alleged medical debt of apx. {$1600.00} and asked if I was interested in accepting an {$800.00} settlement. I stated that was a great offer but would need to communicate in writing only as I can not answer calls while working. The woman abruptly ended the call. In attempting to call back from my cell phone 4 times and office phone 1 time the agent repeatedly hung up without taking my call. This is an abusive practice and violation of FDCPA UDAAP provision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting incorrectly a charge-off on XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) On or around 1995 I had a cable company give me a unit for a trial period. I cancelled the membership and made arrangements for the company to pick up the unit that I was trialing. The company failed to pick the item up. After numerous attempts to contact someone at the company, they finally came to pick up the unit a few weeks after I initially cancelled the membership. I was told they would credit my account however, they never did. When I sold the property and moved, I followed up on this account to ensure it was in fact credited. I unfortunately do not remember the name of the company as it was so long ago. This incorrect reporting of a charge-off account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2019-09-09 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:
For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from Equifax and XXXX, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I refinanced my mortgage with a different company and my old mortgage was paid off in XX/XX/2019 with Freedom Mortgage. I am trying to understand why they have not sent my reimbursement for over payment and additional escrow funds that were in my escrow account at the time of payoff. I have sent them an email 2 times with no responses. First was sent on XX/XX/XXXX just for an inquiry and amounts. I called last week and the lady said it takes 2 weeks to see left over amounts owed back to consumer. I sent another email on XXXX and no responses. All I want to know is how much is owed back to me and when I will see this refunded?

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 2019-09-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Three years ago I paid off a practice loan at Bank of America. I went to refinance the mortgage on my XXXX  hospital through XXXX XXXX, There is still a lean on the property. This came to light during the title work by the title company. I am being told that the payoff was credited but Bank of America never closed the loan or removed the lean. Now they say it will be 60-90 days and there maybe additional fees. 

I will loose my commitment fee, {$1500.00}, I am paying XXXX a month more in interest ( the difference of 4 % interest. My loan may fall apart due to this delay. 

This is due to gross negligence on the part of Bank Of America. People should be very cautious about doing business with this lender.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to provide me with the proof that I owe this debt or remove these fraudulent charges from my credit report. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : Wells Fargo account # XXXX. Opened date : XX/XX/XXXX, Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Wells Fargo

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 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank Claims Operations completely failed to assist me in recovering funds for three transactions totaling over {$1100.00} for goods not received. I have been trying to get the resolution since XX/XX/2019. I have been bounced around for many weeks and I am still without the goods and money. On numerous accusations, I have been told that they do not offer protection for the debit card with the MasterCard logo used to pay for goods in cases when goods are not received. They offer zero consumer protection.

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 monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: OH

Complaint narrative:
Allied Interstate LLC - Called my place of work and harassed me, they committed an illegal action against the Fair Debt Collection Practices Act by calling my place of work.

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im writing this letter to report that my credit card with Citibank are illegally being monitored. 

I suspect someone have illegally accessed my personal information and track my credit card activities without my permission. 

I received 3 Robocalls from Citibank since Friday, XX/XX/2019. 

This activities are ongoing and needs to be stopped due to privacy violation.

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 2019-09-09 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: GA

Complaint narrative:
I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX ABOUT A BANKRUPTCY ON MY CREDIT REPORT. EXPERIAN PROVIDE A RESPONSE AND SAID THE BANKRUPTCY REPORT WAS VERIFY WITH XXXX XXXX AND THEY COULDN'T DELETED THE INFORMATION. EXPERIAN PROVIED FALSE VERIFY INFORMATION TO ME ON EXPERIAN REPORT NUMBER XXXX FOR XX/XX/2019 EXPERIAN REPORT NUMBER XXXX FOR XXXX AND REPORT NUMBER XXXX FOR XX/XX/2019. HOW DID EXPERIAN CONTACTED VENDOR NAME XXXX WHEN THE PUBLIC RECORD SOURCE FROM XXXX WAS DELETED FROM THERE INFORMATION SYSTEM AFTER A RE-INVESTIGATION AND MAIL ME OUT A LETTER ON XXXX XXXX. CASE NUMBER XXXX CONSUMER NUMBER XXXX FROM THE XXXX XXXX SYSTEM EXPERIAN NEVER VERIFY THE ACCURACY OF THE PUBLIC RECORD, INSTEAD THEY SENT A LETTER SAYING THAT IT COME BACK VERIFY.. THEN EXPERAIN SENT A LETTER TO ME SAYING THEY VERIFY THE INFORMATION WITH U.S BANKRUPTCY COURT CONFIRMED THE INFORMATION. HOW IS THIS SO WHEN I WAS SENT A LETTER IN THE MAIL FROM UNITED STATED BANKRUPTCY COURT ON XXXX XXXX. THE CLERK '' S OFFICE DOES NOT PROVIDE INFORMATION TO CREDIT REPORTING AGENCIES. I WILL UPLOAD A COPY OF THE LETTER, AGAIN EXPERIAN PROVIED FALSE INFORMATION TO 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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2019-09-09 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: TX

Complaint narrative:
This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately. 
XXXX  XXXX/XXXX -- -XXXX # XXXX IN THE AMOUNT OF XXXX SHOULD BE REMOVED IMMEDIATELY..

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