vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: SC

Complaint narrative:
I was a victim of debit card fraud. Person or persons made 2 purchases in Virginia. I am in South Carolina I care for my elderly mother who requires 24 hr care. I have the only card issued in my possession. The fact of the matter is someone stole my account info,3 digit security code and also pin # no one has that info except me, I did not give anyone permission to use this card. I disputed theses charges. Filed police reports called both stores and had them send me copies of receipts. I forwarded all info to Direct Express, via written error report email as well as fax. This companies failure to comply to EFTA and FDIC law is concerning and alarming. I demanded a copy of Investigation which I am entitled to under the law.Comerica and there subcontractor XXXX  which handles Direct Express debit card complaints use stall tactics such as long wait times to reach an operator to report fraud. Hang ups not able to reach dispute or fraud department which does not offer customers a fax # dangerous laps in sending out fraud paperwork ie their mail room controls the clock. Paperwork must be mailed back in 10 days. No evidence of any fraud investigation. Managements failure to return calls. So you see there are serious issues. It is not my responsibility to investigate fraud it is up to the financial institution. I have done said Investigation have receipts, filed police reports followed up with XXXX XXXX XXXX XXXX. Pushed subpoenas to view video of when fraud was committed. Also subpoenaed XXXX XXXX to view money order that was purchased. I am truly disgusted with Comerica/XXXX. All I want is my funds back I did not expect a U.S. Treasury and social security backed program that said this debit card is safeto let me down.I remain without funds going on 20 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Greentree & Associates
State: LA

Complaint narrative:
I am a former Greentree customer. Everything they were fine for is valid. They would call me multiple times and were very rude. When I would call to speak to someone to report this behavior the same representative would answer the call. Not to mention at the time I was in chapter XXXX bankruptcy and was so stressed by the phone calls that would not stop after repeatedly asking for them to refrain from calling me. Needless to say I eventually did a chapter XXXX giving the mobile home back! This was a horrible time in my life. Awfully glad they were fined. I never thought I would be reading this today after so many years. XXXX is good!!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third Bank Gave me what they would call an Early Access Advance. I took ada advantage of advance. The advance was taken out of my XXXX check. With a XXXX check came in they withdrew there money in full and cancelled my early access advanced because I was supposedly had been overdrawn and that is not true especially for 15 consecutive days. Now tell me how that is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was unable to get a fax number from this company to send documents to them. They told me that they dont receive fax. They can only send. Now what kind of business is this? Everyones know if you have a fax number you can receive fax as well as sending faxes. If very unnecessary to lie to people were needing to get something to them. This is our right so why are they denied me this. It just seems like theyre avoid people to get there documents to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MOHELA
State: TX

Complaint narrative:
I applied for a school housing at XXXX XXXX XXXX XXXX XXXX, before the school year even started. im talking months. I sent the housing and the school a withdraw letter signed & dated on why i cant further my education with them this semester, i never signed a lease i never ever consented the apartments to charge me for the months that i didnt attend. Because i let them know i wasnt gon na attend. I never sent them signed documents saying i was going to stay at these housing apartments and after many times of them trying to get me to sign i told them over and over that i would not be attending the school so i dont need to sign. I have proof of them sending the lease through email and me NEVER opening them. More then 5 times. I check my score today & & some how it got sent to collections on a XXXX dollar payment that i never agreed to pay or never made a single payment towards and never signed the lease, i filed a dispute and got rejected for an apartment I NEVER stepped foot in. I dont wan na take this bigger then lawyers & & attorneys but i need further assistance on this terribly wrong error, but something needs to be fixed because that is fraud for charging someone for an apartment they never signed a lease for. 
XXXX 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 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX has billed me several times for a service they said was mine. I never lived in that XXXX XXXX. I didnt get internet from them and I have said it until my face is blue. The moment I start investigating my credit report, they get notified I guess and just popped up after the last lady spoke with assured me I was going to pay for the service if its in my name clearly. 
I'm getting so XXXX  here. Its apparent someone had access to my information. XXXX wont even send me a report until I show proof of who I am .... Which says they have a reason to feel something has been going on with my credit. I can't even answer questions I supposed to know. My name is wrong on all of my credit reports, and ive tried to clear that up as well. I just need help with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried to freeze and order my credit score, credit report, and correct the many errors. 

I could not complete the transaction to protect my credit, I have experienced identity theft and charges to my bank. Why do these agencies make billions selling lies about consumers. 

Why are insurance companies allowed to use a credit score that fluctuates like the wind blows for pricing insurance? 

Why did the government allow banks and insurance to merge causing the 1998 crash of the economy and what are you doing about it now. 

XXXX XXXX company allowed me the make payment arrangements, I paid before the due date promised. I still was turned over to collection agency affecting my credit. I want them to remove it and write me a letter confirming the removal from all 3 ( or ALL ) unfair credit reporting agencies. 

The credit reporting agencies are reporting debts that are over the allowed time period on my reports. 

I was denied HOUSING because of their unfair reporting practices. 

I am XXXX and a XXXX XXXX that demands a government to protect me from credit agencies, insurance practices, real estate INFLATION, and banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: AZ

Complaint narrative:
In XXXX had collection information removed from credit report. They removed XXXX XXXX XXXX and reached it with XXXX. I submitted a dispute in XXXX and XXXX was removed and XXXX is back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive called every credit inquiry I dont recognize. They all said to let Equifax know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXXXXXX XXXX  taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... XXXX ... and Equifax. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2019 Experian sent me an email with a credit report with falsification of my fico scorce from XXXX to XXXX anf from XXXX a from XXXX to XXXX and XXXX from XXXX to XXXX to increase my montlhly subscription from XXXX to XXXX as an upgrade when I just got the XXXX repot last week. Reports are given monthly. Either way this is AGE DISCRIMINATION AND MISREPRESENTION. Experian disgusts me. XXXX fixed it to XXXX amonth and not XXXX forcing an upgrade to XXXX. 
Experian sickens me. I am reporting their financial crimes to the Attorney General.They are to refund the last 3 months of XXXX on account XXXX..they areconly allowed XXXX a month. They are XXXX XXXX XXXX. A call center in the XXXX where fraus is a systematic relations process proves there stupidity. Tell them to go to 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 monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive called every credit inquiry I dont recognize. They all said to let XXXX know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX   taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... transunion ... and XXXX. Thank you for your help in this matter.

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 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive called every credit inquiry I dont recognize. They all said to let XXXX  know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX taken off as well as all the hard inquiries from the ones I didnt put there I would like them off experian ... XXXX  ... and XXXX. Thank you for your help in this matter.

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 2019-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax isn't reporting a credit card that I have had for almost 2 years. They stopped reporting about 6 months ago for some reason and I have called them along with the credit card company. The manager at the credit card company verified that they electronically sent it to them and Equifax is stating they haven't received it. We are trying to buy a home and I had to open a NEW credit card in my name only just so something is reported on Equifax. This has now affected my other credit reporting on XXXX  and XXXX  because they report an AVERAGE of all credit cards and since this NEW one was opened only in XXXX, its dropped my score. I am not sending Equifax my FULL Social Security Number, FULL credit card number, FULL name, Date of Birth, etc. to an Equifax address. I have already given them any information needed and they can see that this was reported almost 2 years ago and then 6 months ago it stopped with NO explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: VA

Complaint narrative:
The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX  XXXX  {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$300.00}

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 non-monetary relief
Consumer complaint received 2019-06-23 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: VA

Complaint narrative:
The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX XXXX {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX  {$300.00}

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 non-monetary relief
Consumer complaint received 2019-06-23 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: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX D.O.B : XX/XX/XXXX XXXX : Letter to remove inaccurate inquiry credit and address information I have obtain a copy of my credit report and found the following items to be an area. 

Creditor Name : XXXX XXXX XXXX O Dates : XXXX XXXX & XX/XX/XXXX Creditor Name : XXXX XXXX Ser Date : XX/XX/XXXX Creditor Name : XXXX XXXX Accept Date : XX/XX/XXXX Creditor Name : XXXX XXXX Auto Fin Date : XXXX XXXX Creditor XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX 2018

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 2019-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
Per the original creditor, as of XX/XX/2019 they were informed ( CMRE ) that this bill was null and void. To remove it from my report. 
They refuse. I've filed 8+disputes. 
Also, 2 confirmed conference calls WITH both agencies and everyone understanding on the phone with above said issue. 
As of XX/XX/19 they ( CMRE ) hung up on my 3x while trying to fix this. 
They also hung up on XXXX XXXX. 
Rude. Unprofessional. CMRE for some reason doesn't want to follow rules and directions. It's as if they don't want to let it go ... please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

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 2019-06-23 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: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX   XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

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