vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 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:
I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

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 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med-1 Last Call was made on XXXX XX/XX/2018. I have notified them more than once I was on the XXXX  XXXX XXXX  XXXX ( in written form ). They have continued to call. 

They call from ( XXXX ) XXXX plus other phone numbers which I never answer,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery did not stop calling me. Portfolio Recovery states they bought a debt from a creditor. I have no signed agreement contract with Portfolio Recovery. therefore I demand they remove the false information in my credit report by XX/XX/19 or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Dovenmuehle 's property tax payments do not make sense. 

According to XXXX County the property taxes are as follows XXXX {$1100.00} two installments of {$550.00} each XXXX {$1300.00} two installments of {$670.00} each According to Dovenmuehle, property tax payments were as follows XXXX - {$1000.00} XXXX - {$1900.00} How can I pay more property taxes in XXXX than I owe? 
Where did this money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. In XXXX, XXXX  's charged me {$50.00} penalties on a XXXX balance credit card. I paid, then asked them to delete the account. I shredded the card and have made no purchases. 
2. In XXXX, XXXX  's mistakenly credited my account {$100.00}. My wife & I spend an hour on the phone to resolve. They eventually debit the {$100.00}, after about 30 min on the phone. 
3. In XXXX, XXXX  's then erroneously debit an additional {$100.00} from my account, without my permission. 
4. XXXX 's credit refuses to credit my account to fix their mistake. ( After keeping me on the phone for an hour. )

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 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CarMax, Inc.
State: NJ

Complaint narrative:
I Had an auto loan with Carmax, which was also the company I worked for at the time. I was in a car accident just a few months after I bought the car, and it affected my employment and my car payments. I completely explained my situation to them and made whatever payments possible at that time. This happened a few years ago, and I understand it might seem like a long time for filing this report, but I tried other ways to resolve this and nothing seems to work and I just want my credit corrected. My loan started on XX/XX/XXXX and ended on XX/XX/XXXX. My accident occurred in XX/XX/XXXX, so it first affected my payment in XX/XX/XXXX of that year. I did not get gap coverage, which seems to be the reason why this all might be a problem. I tried to make minimum payments after the accident but I always cam up short, even though Carmax knew they would be getting a large check very soon. I just really want to get these negative occurrences off my record if possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/, 2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I paid one of my fee over the phone one of your people! Over a week ago and it still showing up on my credit! It was a payment of {$190.00}! I dont appreciate yall playing with my mOney!

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XX/XX/2018 I was removed as an authorized user on my mothers credit card by her request. I tried to remove myself from the account but was told only my mother could remove me. After she had me removed from the account it still stayed on my credit report. The balance of the card was {$9900.00}. It had a minimum monthly payment of {$310.00}. She has since paid the card down, but there has been no reporting on the account since XX/XX/18. It is just stuck on my credit report as a maxed out card. I have contacted the company several times to ask them to remove the account from my credit and they refuse. They will only talk to me if my mother is also on the line. The first few times we called they said the issue was corrected, after several months of it continuing to go uncorrected after their assurance it would be corrected, we were told there was nothing further they could do. They told me I have to dispute the account with all the credit bureaus. When I asked them to send me a letter confirming I wasnt on the account so I could send it to the bureaus they again refused, stating they had no letter they could generate to comply with my request. All they were willing to do was let me record them stating I wasnt on 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 non-monetary relief
Consumer complaint received 2019-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. Transunion XXXX  and XXXX  deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.

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 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I requested information of the debt. The amounts shown on the information sent are different from what is being reported on my credit report. It also appears that my insurance company paid part of the two debts and with the new laws it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: MO

Complaint narrative:
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX Equifax and XXXX deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX  XXXX and Experian deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Around XX/XX/ 2018, I applied for the American Express Platinum card from the American Express company. After reading about the bonus restriction that I would not be able to receive any bonus if I have received a bonus Platinum Card from the past and I confirm that I have not receive any bonus Membership Rewards in the past with my one XXXX American Express Platinum from before. After further research, I found out that American Express also put in a safeguard and inform customer or potential customers that they may not be eligible for the new card member bonus. 

After successfully completed the application for the Platinum card, I did not see any warning and I can't see a reason why I would not be able to get the new card member bonus. Forward to today, XX/XX/XXXX, I contacted American Express about the new bonus and was informed that. " I see that the bonus offer on your card is showing declined on the account and the account notes state that you're not eligible for the signup offer for the card. '' There is no reason why I would not be able to receive the bonus. There was no abuse nor I have had the same product before. All purchases made on the card are legitimate and I did not breach the contract. I don't mind if I am clearly communicated that I am not eligible for the product but if not issuing bonus after I have receive and spend is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed this account when the balance was {$110.00} and balance was paid in full. 

Another account never was delinquent. Always paid on time never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRSTBANK
State: CO

Complaint narrative:
I texted a guy off of XXXX to buy XXXX tickets. He totals me the seat section row and numbers, I agreed to pay him {$400.00} in exchange for 4 tickets to the game. He sent me his email to send the money via XXXX. I sent him our email address to send tickets via XXXX XXXX. I sent the money. He said the tickets were on their way, but never sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Never applied for credit Never authorized ANYONE to run my social security 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 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX  and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX  of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX  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 2019-02-02 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Never applied for credit Never authorized ANYONE to run my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Someone I knew got a car under my name and didnt pay it and didnt tell me and had 5 months of missed payments

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 2019-02-02 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: NC

Complaint narrative:
Someone I knew got a car under my name and didnt pay it and didnt tell me and had 5 months of missed payments

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have had a XXXX  credit card since XX/XX/XXXX. 
Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX  I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX  is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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: PA

Complaint narrative:
XXXXXXXX XXXX Credit Card Account # XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Credit card that was closed on XX/XX/XXXX Amount : {$1.00}, XXXX 
This account was closed and is also too old to be on my credit report. 
I have wrote the company and emailed the company and it still has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2016 I settled an XXXX XXXX with XXXX, for the past two years Ive been complaining that the wrong information has been reported to my credit report. Im complained, wrote emails to representatives at the bank, and complained to Equifax and its still has wrong information being reported. My next steps are reporting XXXX   to the Texas Attorney General and to the Texas Finance Commision in addition to filing a Lawsuit against XXXX and Equifax. I have disputing this account for the passed two years and Ive saved the results and have my credit reports for the past two years. This is very unethical for a lending institution to do this in addition violating FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PHOENIX FINANCIAL SERVICES LLC Opened Date XX/XX/ 2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that PHOENIX FINANCIAL SERVICES LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX. XXXX  XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX Original Loan Total That I was Misled on Would Total {$18000.00} Because of Intrest and a 70 Month Term Payment. 

Payments Made XX/XX/2018 {$600.00} XX/XX/2018 {$430.00} XX/XX/2018 {$200.00} XX/XX/2018 {$340.00} XX/XX/2018 {$250.00} XX/XX/2018 {$210.00} Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Credit Card {$13000.00} charged off against my credit score XX/XX/2018 No record of payment. Not willing to disburse new payment program or loan details. Unauthorized GPS placed on my vehicle. Refusal to off access to online account. Incorrect reporting on XXXX  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 explanation