vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is an account on my credit report that was originally opened and reported as delinquent in XXXX from XXXX XXXX and a company that was contracted to collect the debt. First and foremost, someone used my credit to obtain energy services from XXXX XXXX  while I was not living in the dwelling that the bill is registered to, but on top of that fact, every couple of years, the credit reporting agencies keep reporting the account as a new account on my credit report when in fact this account has been on my credit report since XXXX or XXXX. Today, XXXX this account is being reported as an account that was opened in XXXX. I disputed the account and notified them how long ago this account was originally posted and they still are reporting it as new through Experian.

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 2019-08-25 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: NC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Repeated calls ( 12 ) throughout the day ( XXXX-XXXX ) every day of the week/weekend for the the last 3 1/2 days. I am 7 days late on a Master card ( issued by fifth third bank ) payment due to medical problems resulting in early/unexpected retirement on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: AZ

Complaint narrative:
On Account information disputed by consumer, meets FCRA requirements. I need written XXXX of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit. 

FTC REPORT NUMBER XXXX AND 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 2019-08-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

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 2019-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascendium Education Group
State: KY

Complaint narrative:
In a nutshell, XXXX in-house collections agency committed fraud by lying to the Federal Government in order to procure my federal tax refund. In XXXX of XXXX, after I became unemployed, I called XXXX to set up a payment arrangement for my defaulted student loans. Being unemployed, I could only set up a minimum payment of {$5.00} at the time. I was told by the supervisor ( who refused to give his name ) that amount was unacceptable. I told him I could not afford anything more, to which he replied that they would just submit a wage garnishment to recoup payment. I then informed him that I was unemployed so a wage garnishment would be a moot point. This upset him. I also asked to only be contacted via USPS, because I was tired of their repeated calls daily ( upwards of 5-6 calls daily ), which angered him further. I again offered the $ XXXX/month payment, he again refused it and said there were other ways to get me to pay and ended the call. Fast forward to XXXX of XXXX, and Im due my federal tax refund. On the day it was to post, it was offset by XXXX, in the amount of {$3000.00}. I called to inquire about the offset, and was told by the representative ( XXXX ) that the offset was entered at the end of XXXX due to failure to make payment arrangements with the collections agency. This is where they committed fraud! I did try and make payment arrangements, the collections agency refused the amount. They then told me that I had to contact the collections agency again to set up a payment arrangement. So I did, and was placed on their rehabilitation program where I am required to make ... wait for it ... a payment of $ XXXX month! The EXACT SAME payment I tried to make in XXXX. The collections agency LIED in order to procure my federal refund, which Im pretty sure is illegal, hence my use of the term fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: MD

Complaint narrative:
The date provided in for chapter XXXX bankruptcy is inaccurate my public record states that date I filed is XX/XX/2017, my actual filing date for chapter XXXX is XXXX XXXX per letters from courts Im requesting that it be deleted from my report I have reached out several times via certified mail to Experian they verified that public records were accurate.

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 2019-08-25 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: IL

Complaint narrative:
I was a victim of credit card fraud. From XXXX XXXX my Chase credit card was charged XXXX for XXXX shared rides I did not authorize. I contacted my credit card XX/XX/XXXX. The card was cancelled and charges were removed. Approximately a week later Chase determined I was responsible for the charges. I called chase to dispute the charges and I was told to provide a copy of my XXXX  ride history. The fraudulent charges were XX/XX/2019. My XXXX  ride history did not any rides for the month of XXXX. Despite sending in my ride history, Chase continues to hold me responsible for these charges. I have filed a police reports and identity theft report with the federal trade commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I used my HSBC credit card to purchase airline tickets. I had contacted the merchant initially when I was billed twice on my credit card for an airline reservation booking. The merchant stated that i would be granted a refund within 45 days. I waited nearly 60 days and never received a credit. I contacted HSBC Credit card and they advised me that they would put it in dispute. They erroneously cancelled the wrong reservation and left me and my young family stranded in a foreign country. Fortunately, I was able to get us home by repurchasing the tickets, albeit, at 3 times the price. I contacted HSBC to rectify the matter. All the chaos and fiasco aside i would be willing to pay for the original tickets as purchased but HSBC argues that I should be held responsible and forced to pay for the tickets which had to be purchased due to their improper procedures in handling of the chargeback. I have tried multiple times to contact HSBC. I have provided evidence and even have letters from them in which they show conflicting evidence of which transaction they were charging back. The last supervisor who i spoke to gave me the following advice the next time i have an issue : He stated that the next time i have a problem, and am able to get a hold of the merchant that i should NOT involve the credit card company. I was appalled and shocked as this is normally one of the benefits to using a credit card. I told him the same and advised that i wanted to speak to another supervisor. I was told one would be in contact with me within 24-48 hours. It has now been over 1 week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Accelerated Recovery Services, Inc
State: CA

Complaint narrative:
I received a call from XXXX at XXXX XXXX He stated he was working with a law firm to collect the debt from a car crash I was in. I stated to him was he a debt collector he said no. Then proceeds to tell me if I dont pay {$250.00} that he will have my license suspended. I told him I couldnt afford said payment. And he was like Im send letter to your house make a payment by then or expect you license to be suspended. That is using false and miss leading information and threatening Tactics. He never stated he was a debt collector and any information will be obtained for collection of said debt. I never refused to pay and still dont. Suspension of my license is criminal not Civil.

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 2019-08-25 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: AZ

Complaint narrative:
On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX report and a lawsuit.

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 2019-08-25 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was not aware of the companies pulling my credit. I offered to give them my credit score and they still pulled my credit without my permission.

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 2019-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent in documents 3 time to trans union On Account information disputed by consumer, meets FCRA requirements. I've told them I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. That why I'm also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against Tran Union and a lawsuit. 

FTC report number 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 2019-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NH

Complaint narrative:
They have ignored my requests for proof of debt I know I never incurred it. {$890.00} ive asked them countlessly to take it down they can not send me any information about how it was made the original that I did not make the debt I am 100 % sure of that and I have continuously tried to address this over the years and now theyre trying to say that the date has reset in now its back to being brand new and still in my account for seven more years Ive been dealing with this for six this is ridiculous I dont even know where this debt came from

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 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had filed a joint tax return and the check, for {$5300.00}, was made out to me and my wife. She is out of the country and because of marital problems she probably won't come back here. I tried to deposit the check in my account at XXXX  and they would not accept it without her being here. I also tried to open an account at XXXX XXXX but it was the same with them. I was assigned a taxpayer advocate by the IRS and she said that Chase Bank would accept it as a third party check. I called Chase on XX/XX/2019 to confirm and they did. I have them all the information about the check and they said they would take it without a problem. I opened an account at Chase on line later that day. The next day, XX/XX/XXXX, I went to a nearby branch to make the deposit. I double checked with a man I think was a manager to confirm they would accept the check and he confirmed they would so I made the deposit. The next morning I had an alert on my phone that my account was overdrawn by the amount of the check and my account was restricted and would be closed soon. I called Chase right away to see what happened. I was told that my wife would need to confirm that the check be deposited in my account ( we don't have a joint account ) and that they would not release the funds without her approval. I was told by the first few people I spoke to that if I could give them a US phone number issued in her name so they could call her to confirm. She is in XXXX and I'm not sure it is possible to get a prepaid SIM card I could send her, but the woman I spoke to at the CFPB said I should try. I have been working with a woman, XXXX, in Chase 's executive office to try to resolve this. Her number is XXXX ext. XXXX. It is urgent that I have access to this money as I am currently unemployed wait for SS XXXX, but at present I have no income, and rent is over due. I have been borrowing from family and friends and thought I would have the finds by now. I hope there is something you can do. I feel I have been robbed of this money. I was told they will hold it for 2-3 yeas and then release it to the state and I will be able to collect it as unclaimed funds. This doesn't seem acceptable. If their loss prevention department has decided not to release the funds to my account they should return them to me. XXXX is working on this, to get them to write me a new check, but she doesn't sound very confident when I speak with her. I hope you can help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I contacted what I thought was XXXX customer service # XXXX to see why I was having a charge taken out of my checking account when I do not have XXXX XXXX. They identified themselves as an XXXX representative and said there was a XXXX XXXX that was ordered and set or delivery for the amount of XXXX. They said my account had been hacked and we needed to set up a dummy account to fix the issue. They remotely logged into my laptop and tried to fix the dual hacking.At some point I was called back by phone # XXXX. After a bit they said they needed a pin # from a XXXX XXXX gift card to fix the issue. They put what I thought was XXXX into my checking account to purchase the gift card. This happened 3 more occassions when they needed to get another pin and run it to fix the hacker. When I was at the store, they transferred money out of another checking account making it appear they were inserting the funds in the account. They also purchased 2 XXXX cards against my checking account through a XXXX XXXX account. One amount for {$100.00}, XXXX. These invoices will be enclosed with a site of purchase called XXXX XXXX. I also received emails from XXXX   XXXX stating the account was upgraded. The account was closed through XXXX  XXXX, XXXX and my Financial institution. In all these hackers got XXXX of my money through gift cards and then the two charges for the XXXX gift cards. The next day I received a text message from # XXXX stating we missed your call and to call them back for the refund pending under my name. I did not call back and blocked them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We moved to XXXX in XX/XX/2019 from XXXX. I wanted to unfreeze my credit to a different credit union for banking. We have had our credit froze for several years, but the CU we selected required a 'credit check ' and they use Experian. It easy to unfreeze with the other two agencies, but EXPERIAN was a nightmare. EXPERIAN 's telephone customer service does NOT work. I was on hold for an hour, then was told 'call back later '. I tried using Experian 's suggestions, only to find there compute system would not process my request after filling out their forms, then EXPERIAN required me to send a letter with my drivers license and proof of address. I did this ... and have NOT heard from them. I have tried calling, and only get a recording saying 'call back later '. This is absolutely ridiculous!!! All I want is to unfreeze my credit.

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 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Through the loan application process, we were denied without reason by Wells Fargo. Once asked, they didn't specify or provided the right documentation from the application. They also didn't offer an alternative program once the application was denied.

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