vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inaccurate personal information being reported to my credit profiles

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 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company Ad Astra Recovery is trying to collect {$1500.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Ad Astra Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ad Astra Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Ad Astra Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have held the account in question for many years. In XXXX of 2018, two questionable charges appeared on my account ( {$36.00}, and {$70.00} ). Beginning  immediately, I placed calls to the Bank. The first call never allowed me to speak to a person. Subsequent calls amounted to long, convoluted, insulting, non-productive conversations with Bank representatives ( during which, " a supervisor was not available '' ). I then initiated efforts to obtain documentation of the charges via letter - sending three such letters, on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The only response I received amounted to form letters asking for " additional information '' and inviting me to call the Bank again. Documentation of the referenced charges was never provided. The Bank has added fees to each monthly statement. Furthermore, the Bank has submitted negative information relevant to my account to credit reporting bureaus.

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 2019-10-13 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: PA

Complaint narrative:
I have contacted TransUnion a few times by mail and phone about incorrect and fraudulent information showing on my Credit File. I  first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the capital one account I disputed. And they never sent me correspondence about the other items. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

Below are a list of items I disputed due to fraud or incorrect information : XXXX XXXX XXXX  XXXX  : Credit Card Closed on XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX XXXX : Closed account opened XX/XX/XXXX Dept Of Ed XXXX XXXX XXXX Closed account opened XX/XX/XXXX 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 2019-10-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I had recently disputed this exact issue regarding old information still being reported on my Equifax, XXXX, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: TX

Complaint narrative:
I have requested that Transunion provide me with information about the company that is saying I owe them. They told me that the company verify that I owe this debt. I asked them to provide my signature or identification number since most department stores have to provide this information. They told me that I need to contact the company. I also asked them how did they verify that this item belongs to me. I have spoken to a live agent and explained to them that I have been in their system since 1993 which I was only 13. I told also told them that my file was mixed with someone else could they add my middle name to prevent this from occurring. I have sent several letters requesting the have 30 days reply I just received a letter saying it was verified

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 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had recently disputed this exact issue regarding old information still being reported on my XXXX, XXXX, and Transunion credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!

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 2019-10-13 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: LA

Complaint narrative:
I had recently disputed this exact issue regarding old information still being reported on my XXXX, Experian, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!

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 2019-10-13 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: LA

Complaint narrative:
All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This company Midwest Recovery is trying to collect {$1300.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Midwest Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midwest Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Midwest Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This company Enhanced Recovery is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Enhanced Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Enhanced Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: VA

Complaint narrative:
I have held the account in question for many years. In XXXX of XXXX, I used the account to make a hotel reservation deposit ( {$390.00} ) for a planned trip. The trip was cancelled, as was the reservation. Despite the reservation cancellation ( and the fact that the hotel confirmed that cancellation ), the reservation charge appeared on my account. I contacted the hotel via phone, and was told there had been no cancellation and the deposit charge would stand - and was told a supervisor would contact me ( which did not happen ). I then contacted the issuer of the credit card, describing the dispute. The issuer eventually sent me a paper form with which to file a written dispute, which I returned on XX/XX/XXXX - including a copy of the cancellation confirmation from the hotel. After hearing nothing, I sent the issuer a letter on XX/XX/XXXX asking for a response/resolution. The issuer responded on XX/XX/XXXX - indicating the hotel was not willing to credit the charge, and referenced, of all things, the AMOUNT OF TIME THAT HAD TRANSPIRED SINCE THE INITIAL CHARGE WAS MADE. I made an additional request for a logical resolution to the matter by letter on XX/XX/XXXX. After receiving no response, I sent the issuer a letter on XX/XX/XXXX reiterating my efforts to get a resolution - and cancelling the account. After again receiving no response ( but receiving additional statements ), I sent another letter on XX/XX/XXXX, again pointing out my efforts to resolve the matter - and reminding the issuer the account was to have been cancelled. To this date, the issuer has continued to send me statements, adding fees each month. The issuer has also provided negative information relevant to this account to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: LA

Complaint narrative:
All XXXX reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

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 2019-10-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

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 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This company Deville Asset Management is trying to collect {$10000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Deville Asset Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Deville Asset Management y. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Deville Asset Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: ID

Complaint narrative:
I don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.

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 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: WA

Complaint narrative:
We made numerous payments & then we let them know we can't afford this an we wasn't told we were getting into a financial matter as truly being responsible for a property we would never use or understood the structure I felt we spent over 1000s of dollars for us to have a amount {$3900.00} owed when they explained to us the property would be sold an wiped out for the price being sold after signed documents which we did. I was also only XXXX at the time in XXXX just walking down the street with my lady friend when we were pulled an told for a quick 15 minute video watch we could receive free stuff which is no problem but it seemed weird when we said we wasn't married an they told us to put we were.

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 2019-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Currently had more than 10 loans with XXXX. My school closed they where a scam i came into fedloan tried contacting them numerous times have submitted 3 loan discharge applications and they always say something is missing on my app. I have no information from XXXX university they were a private school who scammed the community all im looking is for a loan discharge they put me on a repayment plan. I have tried to apply at a XXXX  college and i have to start going to school again start fresh because the school i recently went to was not accredited. I want fedloan to discharge my loans currently they have me on a repayment plan and although my due monthly is XXXX dollars i am scared that it can go up. I received a letter to renew otherwise i will have to pay XXXX a month their interest rate is ridiculous plus all the forms i submitt they keep deniying and the interest has been accumulating for the past 2 years to almoat 6000 dollars. When you contact department of education they say you have to go thru fedloan servicing in order for them to accept forms i have been trying this since laat year and i keep getting the run around from fedloan i think their service is a scam because they know the school i went to is closed plus they lied to their students and they keep deniying all my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: ERC
State: SC

Complaint narrative:
I currently paying on collection account with ERC. When I called they accepted settlement amount {$350.00}. I've paid {$56.00} on XX/XX/2019. I've made arrangement for {$150.00} to be debited on XX/XX/2019 and on XX/XX/2019 final payment of {$150.00} to close out account. On XX/XX/2019 ERC placed collection on my credit file for {$530.00}. I want this deleted asap this collection were placed after I paid them and made other arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation