vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 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: SC

Complaint narrative:
Im a victim of fraud. I have contacted Experian numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to XXXX, XXXX, and Experian. In XXXX of this year, both companies XXXX and XXXX. have proofed these was fraud and removed the fraudulent items. The 4 companies that are fraudulent are : 1. )   XXXX XXXX XXXX XXXX Balance {$1000.00} Credit Limit - Usage - Type INSTALLMENT Status Negative Opened On Invalid dat 2. ) XXXX/XXXX  : Balance : {$620.00} Credit Limit : {$370.00} Type : REVOLVING 3. ) XXXXXXXX XXXX   XXXX : Balance : {$30000.00} Credit Limit - Usage - Type REAL ESTATE 4. ) Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date Invalid date Balance {$780.00} Debt - Contact Information XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX Fraud Alert Also, on my fraud alert please add the phone XXXX for contact. 
Personal Statement ( s ) XXXX & XXXX-18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-18.

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 2019-05-11 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
You are a XXXX XXXX who cant read and you should be fired. Instead of removing the inquiry from my credit report you are choosing to be negligent and I will sue you in federal court for this. You should reference XXXX v. XXXX XXXX and see how much they have paid in attorney fees against me. You are ignorant, XXXX and the definition of petty. You state yourself WE TRIED CALLING YOU ON XX/XX/2018, TO GO OVER THIS INFORMATION, BUT WE WERE UNABLE TO REACH YOU. That is because you didn't have authorization to run my credit anyway and that is why it needs to be removed. You XXXX   XXXX if the inquiry was from me dont you think I would have answered? You XXXX! And I am not worried about calling you names, lets not forget our president calls XXXX football players XXXX XXXX XXXX XXXX so thats exactly what I think Chase bank is, a XXXX  XXXX for leaving a inquiry on my report which accounts for 10 % that is not mine. You will pay for this since you choose not to remove it you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: NV

Complaint narrative:
Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2018 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-05-11 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: KS

Complaint narrative:
I settled a collection account and paid the balance. Then I asked the 3 major credit reporting agencies to updaye the account showing that the balance was paid. However, Experian is insisting the balance is still {$610.00}. I disputed with them and sent them documentation showing the settlement snd payment, but they did not correct the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: MD

Complaint narrative:
For the past 15 years the company Midland Funding, LLC as been updates the dates on a debt that does not belong to me in the first place due to identity fraud. Therefore, when I ask for the contract I sign they send me a 1 page snapshot of fraudulent paperwork that states I owe them {$600.00} which they are trying to pressure me to pay them $ 1200+. As a result, I was waiting for the so called debit to fall off my credit report after 7 years but Midland Funding keeps changing the dates on the debt saying I owe them $ 1200+ to this date which was 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: AZ

Complaint narrative:
I received a collection notice dated XX/XX/XXXX from a company named CBCS for a medical bill from XXXX XXXX XXXX XXXX Hospital in XXXX, AZ. for {$100.00} for services on XX/XX/XXXX. I contacted the hospital and they did not have any record of the charge with the account number listed on the notice.The account # liisted on the notice was XXXX. We did have two payments for that amount to XXXX XXXX 's last year in XX/XX/XXXX and XX/XX/XXXX, but they were paid. There was a previous fraudulent claim action against this company in which they paid over a million dollars to the FTC for this same type of action. These companies should not be able to continue to bilk consumers out of their hard earned money this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: CA

Complaint narrative:
I wanted to submit a request to have a hard inquire removed off my credit report. 
The name of the company is called Syncb a national credit card airline based in XXXX Florida. I made first contact via phone and expressed my concern with invalid information regarding me I was told by the company to dispute the claim through XXXX XXXX which lead me to Consumer Finacial Protection Bureau.

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
When i Opened the account, I did not realize the account got zero rewards. So the account is essentially a dud and has zero benefits, unless i want to be late all the time and get the no late fee benefit. When i called customer service upon the account being about 4-6 months old, I was informed i needed to wait until it was 12 months, at which time i could convert over to a rewards card. 

I called customer service today and was told this was a lie, that i would have to go open up a brand new card, further lowering my credit score with both an inquiry and a new account opening. This new story is a polar opposite from what was previous given to me for information, and further online research shows other card members are able to convert there cards.

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 2019-05-11 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: MO

Complaint narrative:
I filed disputes online with Equifax on 4 different accounts on XX/XX/2019. I received repeated confirmation emails on each dispute from Equifax, each email included confirmation numbers. I called Equifax 2 weeks ago to inquire about the disputes and referenced the confirmation numbers. I was told the dispute wasn't resolved yet and could take up to 30 days. I called Equifax on XX/XX/2019 and was told that I never filed any disputes, I had only added a comment to each account showing on my Equifax report. There is not even a section on the Equifax website to just add a comment to your account. I know I filed a dispute on each account because I called Equifax and asked specifically for each account number they have listed on my credit report. When I filed the dispute online I entered each account number on each dispute. In total I filed 5 disputes that day. One dispute was removed from my report, but Equifax is telling me I only filed comments on the other 4 accounts, not disputes. They told me I would have to file a dispute with them over the phone as we were talking and I would have to wait ANOTHER 30 DAYS for the dispute to be resolved. The Equifax supervisor repeatedly told me they do not have any knowledge of what is on the Equifax website and that they can only help with online disputes. I found the phone number for Equifax on the Equifax website. Which is the number I called and this is the information I was told by Eqiufax supervisor. Out of frustration and anger I filed refiled 4 disputes over the phone with the Equifax supervisor named XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: VA

Complaint narrative:
After talking with them they continued to call after explaining I will make a payment on XX/XX/2019 they agreed now it's on my g credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Sooo many calls from the scam bank XXXX  # XXXX and many, many more different numbers. 
They are calling for a XXXX XXXX XXXX ( not our name ) who owes XXXX XXXX money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have, in the past, reported to Equifax and the other two Reporting agencies, that they have listed an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) which is not mine and never has been, but they continue to list that address as a past address. 

Equifax also lists two mortgages, we only have one for {$250000.00} with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
It seems that XXXX has not received my request on multiple occasions to freeze my consumer report so this is a last ditch effort to submit the request through the cfpb.

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A company, XXXX XXXX, charged my card 3 times on XX/XX/2019 in the amount of {$190.00} each time. JP Morgan/Chase approved the charges. I received a call from XXXX XXXX telling me the charge did not go through on my account and asked for an additional credit card. Before providing another credit card information, I checked my account and found the 3 charges. I requested XXXX XXXX to reverse the charges and to cease charging my account. I informed them, in writing via email, that I revoke any authority of charging my card. 

I contacted JP Morgan/Chase at XXXX and spoke with a representative - XXXX. She refused to help me so I asked to speak with a supervisor. XXXX in XXXX, MO answered the line and refused to help. 

Chase 's solution is to allow the fraudulent charges to complete on my account and then I am to contact Chase to again dispute the charges and they will review the situation at that time. 

I informed XXXX that the charges are fraudulent and should be removed. He said that he can not do that. I explained that he was supporting fraud and NOT protecting his client. His response is that he understands but he can not do anything. 

In the interim, I must allow a company to charge my card, receive fraudulent funds, and then dispute the charge with Chase Bank. 

With this type of service, it is not surprising thieves thrive. 

I am very upset about Chase 's response to reported fraudulent activity - and their refusal to protect their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My father died on XX/XX/2018. When he died he had an IRA account with Bank of America with a value of about {$3800.00}. I am handling my father 's estate and the amount in the IRA is to be shared equally between my father 's XXXX children. 

I have contact Bank of America ( BOA ) to begin the process of providing the necessary documents to enable BOA to transfer the account 's value to the new owners. Each time I contact BOA I am told that someone will contact me in 24-48 hours but no one from BOA ever call me. 

I believe BOA is currently understaffed and unable to respond to their customers at this time. This has been confirmed by the numerous staff that I have spoken to at BOA, but unfortunately the people I speak to are only there to answer calls but not actually help customers. 

I believe this is a systemic problem at BOA and is worthy of being looked into by the CFPB. 

To provide some specifics and to give you a better idea of my problem here are some facts : 1. XX/XX/XXXX - mailed death certificates, small estate affidavit and letter to BOA XXXX XXXX in XXXX, Florida 2. XX/XX/XXXX - XXXX in XXXX AZ says no one had looked at the documents I sent in and call back in a few days. 
3. XX/XX/XXXX - XXXX was not available. XXXX took my name and number and said someone would call me back. 
4. XX/XX/XXXX - I call and reached XXXX. XXXX says a new Estate Unit will handle my case. 
5. XX/XX/XXXX - I called and reached XXXX who said I should call back on XX/XX/XXXX. 
6. XX/XX/XXXX - I call and reached XXXX who said a case manager would call me. 
7. XX/XX/XXXX - XXXX called me and said that a case manager should be assigned on XX/XX/XXXX. 
8. XX/XX/XXXX - I called and was told that XXXX XXXX was now my case manager and that she will call me. 
9. XX/XX/XXXX - I called XXXX 's extension but reached XXXX. XXXX said a manager would call me in 72 hours. 
10. XX/XX/XXXX - I called and reached XXXX XXXX who said that someone will call me 11. XX/XX/XXXX - I called and reached XXXX who would try to transfer me to a case manager. When he put me on hold I was disconnected. 
12. XX/XX/XXXX - Called back after XXXX disconnected me, was told to call during East Coast hours since that is where all the case managers are. 
13. Called at XXXX Pacific and reached XXXX who said she would leave a message for XXXX XXXX, XXXX 's manager to call me. 

As you can see, I've tried to resolve this many times without response from BOA. I should also note that my father had three other IRA accounts at the time of his death, one each at XXXX, XXXX, and XXXX. Since my father 's death I have been able to successfully close those accounts and get the funds to the appropriate individuals.

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A letter dated XX/XX/2019 stated chase services could not help me with my dispute any longer. The dispute arises from merchandise which I returned to XXXX XXXX home security via XXXX on XX/XX/2019. The credit was sent back to my account on with chase card services on XX/XX/2019 ending in XXXX. This credit has not appeared on my account number ending in XXXX. In the written communication from Chase they did NOT provide all transactions only statements without showing credits. In addition I had asked to begin civil litigation procedures on this matter yet chase did not provide me with person or location for process of service which is required on all corporate fillings in the state where I live, California. I would like to resolve this matter but the date that Chase gave me to to resolve this matter was XX/XX/XXXX without providing any justification or public law reference for their decision. The equipment was not received by XXXX XXXX until XX/XX/2019 and my chase account ending in XXXX was never credited even though XXXX XXXX  sent the refund back to Chase on XX/XX/XXXX. So I would like to understand the public laws and corporate codes that Chase is allowed to operate in the State of Califonia under this circumstance of not providing my credit, then not providing a person a location for process of service within my local jurisdiction and finally under what public law ordinance is Chase allowed to behave in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: WA

Complaint narrative:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, XXXX and Experian. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
Hello this is my second request to LexisNexis to freeze my credit file with them Im hoping by sending this request through the cfpb they will honor this request this time in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: TX

Complaint narrative:
equifax and XXXX not showing or letting me see a free copy of my credit report

Company response to consumer: Closed with non-monetary relief