vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: NY

Complaint narrative:
The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: NY

Complaint narrative:
The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I contacted Chase Bank on XX/XX/19 and asked the representative for the total pay off amount of the account ending in XXXX. She told me that the total pay off amount would be XXXX. 
I verified with her three times that this was the entire amount owed and I told her each time I wanted the know the amount to pay the card in full and down to an absolute XXXX balance. She verified all three times this was the amount owed. 
I paid the XXXX via a direct withdrawal from my personal bank account. Today I received a bill showing the XXXX payment and demanding an additional XXXX. 
I called Chase immediately and told them that they needed to pull the recorded phone call because I had been misled by their representative. The customer service manager, XXXX, verified that he could see the notes and this was true but refused to help in any way. I advised him that I did not feel that I was responsible for the remaining charges due to the fact that the previous representative had assured me three times I was paying the balance in full with the payment of XXXX. I was lied to by Chase bank in order for them to continue profiting off of this account via high interest rates. I tried to pay the balance in full, paid what I was told was the appropriate amount and then still received a high bill afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had become XXXX XXXX and sick   with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went XXXX  and lived XXXX XXXX XXXX and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick  and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I had a XXXX Credit Card that was closed back on XX/XX/XXXX. Due to financial difficulty, I was not able to keep up with payments. Since then, XXXX  has charged it off, but keeps reporting it to the credit bureau at Failure to Pay. XX/XX/XXXX marked 7 years since it was closed and XXXX   is continuing to report it on my credit report. I made attempts to pay for removal of delinquency reported on my credit report. I also wrote letters to XXXX  and the credit bureaus to remove XXXX  from my credit report. This has affected my credit score tremendously and has hindered my ability to qualify for home loans for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Revived a loan for XXXX dollars i did not apply for this is id thift and I would like this taken care of thank please disregard the other complaint thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: TN

Complaint narrative:
XXXX is still reporting information that has been removed by other credit bureaus. I proved that public record was incorrect and has been removed from XXXX ( removed both records ) and TransUnion removed 1 record but I'm still working to remove the other. XXXX  is also reporting XXXX XXXX  when XXXX XXXX said the record would be removed within 30 days from all 3 credit reports. XXXX XXXX  is also still reporting when it has also been removed from other credit reports. I provided documentation with the last complaint.

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 2019-11-15 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: MI

Complaint narrative:
THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND THE CREDIT BUREAUS CONTINUE TO REPORT AND WONT BLOCK THEM AS REQUESTED. 

ACCOUNTS THAT WERE OPENED XXXX   XXXX  {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX RETAIL {$2500.00} XXXX XXXX {$8300.00} XXXX/XXXX   {$20000.00} INQUIRIES XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CREDIT CARD I HAVE REPORTED IDENTITY THEFT TO POLICE, I HAVE CONTACTED CREDIT BUREAUS AND PLACED SECURITY FREEZE ON 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 2019-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Larry H. Miller Group of Companies
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Nothing is showing and I cant get another car. 

Rally Motor Credit Account XXXX XXXX XXXX Specialized Account Manager XXXX XXXX XXXX , XXXX. 
A Larry H. Miller Company [ T ] XXXX [ F ] XXXX XXXX I hope you can help me. 
If need anymore info Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Clarity Services
State: CA

Complaint narrative:
Dear Sir or Madam : Please see attached correspondence. 

Thank you in advance for your efforts. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
Dear Sir or Madam : Please see attached correspondence. 

Thank you for your efforts. 

Very respectfully, 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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I rented an apartment at the XXXX XXXX XXXX XXXX complex located in XXXX XXXX, California. At the end of my leasing they charged me an amount of {$1700.00} for daily rent, carpete replacement, and cleaning. I paid this amount and have the prove. Once I moved out of this apartment complex I left the county for a few months. Once I returned I start to get daly calls from a collection agency called IQ Data International asking me to pay the amount I already paid. I told them the debit was paid over and over and they kept calling me and treating me. One year later I received a credit scor notification that it was significant lower due this debit. Once I saw that info I contacted the collection agency and they hangoff the phone oh my face after mistreating me. I called again to get the details of my debt they reused to provide. Then I called again and finally spoke with someone who was able to comfirm that the the checks they were looking for were paid to XXXX XXXX  XXXX   XXXX. They asked me to mail them with a letter asking to dispute the charge. But after or this discrepancy Had my credit score from XXXX to XXXX for a debit that has been paid since a year ago. Please let me know if I can sue either the apartment complex or the collection company. 

I look toward to hearing from you soon Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Bliksum, LLC
State: CA

Complaint narrative:
Dear Sir or Madam : Please see attached correspondence. 

Thank you for your efforts. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I graduated from school in XX/XX/XXXX. I have 2 loans on AESSUCCESS.org. One is owned by XXXX XXXX and the other is XXXX XXXX. I have been paying on these loans for almost 10 years. 

The XXXX loan is a {$5000.00} with a variable rate averaging {$50.00} a month. Using that average I have paid around {$5700.00} and my outstanding principle balance as of today ( XX/XX/XXXX ) is still {$3900.00}. So out of the {$5700.00} I paid into it, my balance has gone down only by a little over {$1000.00}. The expected payoff as of now is XXXX/XXXX/XXXX. That's over {$6000.00} dollars more I'm expected to pay for a {$5000.00} loan. 

The 2nd loan from XXXX XXXX is a {$15000.00} loan with a variable interest rate averaging {$100.00} a month. I've paid around {$11000.00} into this loan already and the outstanding balance as of today ( XX/XX/XXXX ) is {$11000.00}. So that is only about {$4000.00} drop in principle since repayment started. The expected payoff date is XXXX/XXXX/XXXX. That's another {$12000.00} minimum in payments. 

I've had no furloughs or delays in payments and have made every payment on time. Its obvious my money is not being dispersed correctly. 
As it stands on both loans, I would be paying back over double what I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: VA

Complaint narrative:
To CFPB, Please take strict action on Equifax for violation of the Fair credit reporting act. It has been more than 3 months since my consistent follow-up and several notifications from XXXX to Equifax regarding correction on the report. Despite of several notifications from XXXX XXXX  and me to Equifax, Equifax consistently violates the act and does not correct the report by removing the wrong hard inquiry of XXXX. Every time, Equifax only does drama ) '' we are working on your complaint '' ) and after taking the adequate number of days, just simply closes the complaint.. Attached is letters issued by XXXX XXXX  in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I opened a BMO Harris Smart Advantage Checking account on XX/XX/19 with a {$300.00} bonus for meeting certain requirements. I met all of the requirements, including currently living in Missouri. I previously had an old BMO Harris checking account while in Oregon that I had closed. When I signed up for this most recent Smart Advantage Checking account I was required to use my old login information instead of allowing me to create a new login. The old login used my old Oregon address and it didn't give me the option to update my address to my current Missouri address during the application. As soon as I realized that it was using my old address instead of my current Missouri address I asked them to update my address. BMO Harris is denying me the bank bonus because they are stating that my first bank statement has my Oregon address which is not a qualifying state. BMO Harris cut my first statement six days ( on XX/XX/19 ) after opening my account before the address could be changed/updated. The second statement shows my correct address in Missouri. It is not right that an old address was used for a current application and I am being denied a bank bonus although I updated it as soon as possible. If a statement had been cut 30/31 days after I had opened the account instead of 6 days later, my information/address would have been correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 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: GREAT LAKES
State: MA

Complaint narrative:
This is a clear violation of FCRA and an inaccurate report. See, why are you giving me a 90 day late remarks when the status is current and also there is no prior late remarks that comes after it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: VA

Complaint narrative:
I have recently ( XX/XX/2019 ) requested to XXXX XXXX XXXX XXXX credit card department to issue a new XXXX XXXX  card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from XXXX  XXXX XXXX on XX/XX/2019, my Transunion  credit report shows 2 hard inquiries from XXXX  XXXX XXXX. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries.

Please remove the 2 hard inquiries and increase my credit score accordingly.

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 2019-11-15 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: CA

Complaint narrative:
I have requested numerous times that Equifax remove all remarks from my XXXX XXXX account opened in XXXX. The remark is the following " Account previously in dispute - Now resolved by data furnisher ''. They removed it from the current account comments, but it is still in the accounts historical information and I have requested that it be removed there as well. 

I have also requested numerous times that Equifax delete my consumer statement from my credit file that was added on XX/XX/XXXX. The consumer statement says the following " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Equifax has told me numerous times it has already been removed, but in fact it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit LLC
State: IL

Complaint narrative:
XX/XX/XXXX - I was the victim of a hit and run driver. Pinning my XXXX XXXX between my car and hers causing my XXXX  to XXXX XXXX. Driver then drove off. I was XXXX XXXX and was transported by ambulance to nearest hospital. I am left with XXXX  XXXX  and XXXX. All of my medical insurance information was given to the hospital. XXXX, IL police department made no attempt to find this driver. I went through a year of medical treatment with XXXX and treatment. During this time I NEVER received one bill from this company. 
XX/XX/XXXX - I was sent and received a few days later a letter from a collection agency that this company had engaged. This was over one year after the incident. I called this agency and gave them all of my insurance information. My medical insurance refused to pay this as it was over one year, I had completed treatment, and they legally were not responsible. A few weeks later I was notified of this. I have an attorney and his name and phone number were given to them. I have {$47000.00} in medical bills. I have filed a lawsuit against my vehicle insurance, XXXX XXXX in order to get any and all bills paid and my medical insurance reimbursed for what they have paid. I have informed the collection agency of all this. However they reported it to XXXX  in order to damage my credit rating. I feel this was unjust as the ambulance company never contacted me personally in any way. Was this deliberate or just overlooked? This should be settled shortly and each and all facilities owed anything will get their money. I have cooperated as fully as possible giving them all information. Yet instead of billing me, they sent directly to collection agency over one year later.

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 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have recently ( XX/XX/2019 ) requested to Bank of America 's credit card department to issue a new Travel Rewards card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from Bank of America on XX/XX/2019, my XXXX credit report shows 2 hard inquiries from Bank of America. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries. 

Please remove the 2 hard inquiries and increase my credit score accordingly.

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 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVICES HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.

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